Free Financial Calculators

Use these tools to help you manage debt effectively and get ahead in your financial world.

Good money management is easier when you have the right tools to help you get where you need to be. With that in mind Consolidated Credit has developed the following free personal finance and debt calculators to help you avoid problems with debt and reach your goals.

Of course, even the best financial calculators can’t fix the problem if you’re falling behind. If you can’t make the numbers work or you’re struggling with so much debt that you can’t make a plan to get out on your own, we can help. Call Consolidated Credit today at (844)-402-3073 or complete our online form to request a Free Debt Analysis from a trained credit counsellor.

Loan Calculator

Finding loans that are affordable and cost-effective makes it easier to maintain financial stability. This loan calculator shows the monthly payments and total interest charges you can expect to pay. You can also see the impact making of extra payments, so you can pay off your debt strategically to save money.

Fixed Payment Calculator

Minimum payments are not designed to help you pay off debt quickly. If you carry balances over month-to-month, then you need to find a better, faster way to pay off your debt. It’s usually best to calculate the largest fixed payment you can afford within your budget. This calculator helps you evaluate the time and cost savings of using fixed payments versus minimum payments to eliminate your credit card balances.

How to calculate your DTI ratio

Debt-to-Income (DTI) Ratio Calculator

When your debt load is balanced against your income, you’re less likely to run into problems. In addition, debt-to-income ratio is a key factor used during the mortgage qualification process. Learn where you stand with debt to see if you’re financially stable – especially if you’re thinking of buying a home.

Chalkboard with the word debt

Debt Management Savings Estimator

Want to know if a debt management program is the right debt relief solution for you? This free calculator shows you how much you can expect to pay on a debt management program based on how much you owe. See how much you can save so you can decide if you want to make the call and see if you qualify for this program.

credit debt repayment calculator

Credit Card Debt Repayment Calculator

Credit card debt has a way of piling up to cause problems for your budget – especially if you’re facing high interest rates and only making the minimum payments. If you want to maintain stability, you need to craft strategies that allow you to pay off your debt as quickly as possible. This calculator helps you do just that.

mortgage payment calculator

Mortgage Payment Calculator

Home is not only where you hang your hat – it’s also your biggest asset (and your biggest debt). That makes it critical to understand mortgage payments. You can assess the benefit of making increased or extra payments on your current mortgage, or set a price range and help ensure you can afford a new home.

savings calculator

Simple Savings Calculator

Saving money is essential if you want to achieve both your short-term and long-term financial goals. Still, where should you money go and how much should you save? This calculator is designed to help you compare different savings options and evaluate how your money will grow, so you can make the choices for your future.

payment due calculator

Debt Restructuring Calculator

Sometimes all it takes to manage debt effectively is a different approach. Although most debts are paid on a monthly payment schedule, moving to a bi-weekly schedule can eliminate debt faster so you save money on added interest charges. See if a bi-weekly payment schedule would benefit you so you can pay off debt quickly.

sports car

Car Loan Calculator

Make sure your next car loan fits your budget by calculating the monthly payments based on purchase price OR by setting a target payment to determine how much car you can afford.

credit score loan calculator

Credit Score Loan Cost Calculator

A good credit score can be a critical factor to your financial success – especially when it comes to qualifying for low interest rates on loans. The higher the interest rate, the more money you’ll pay over the life of each debt. See how different credit score ranges impact interest on the most common types of loans.

Canadian Revenue Agency

Income Tax Calculator

Use the Calculator to determine both your Federal and Provincial taxes owed along with comparing the amount owed by Canadians living in other Provinces with the same income.

A free debt evaluation with a trained credit counsellor can help you zero in on the best option to consolidate for your situation.

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Get a clear picture of your spending vs. your income. Begin your online budget and financial analysis now by clicking the button above.

Our experts are here to help you understand your options and reach your goals. After you complete the easy-to-use online budget, one of our trained counsellors will reach out to you and provide recommendations.

Everything shared is 100% confidential and secure.

I understand and agree that by choosing “Start your online budget now”, I am voluntarily providing certain personal financial information in order to educate myself as to my current financial position. I understand that this budget tool is educational in nature, and that none of the information received in the form of a budget constitutes financial advice, nor does it constitute a counselling session. I understand and agree that the budget depends on the information I input into the fields, and that Company does not represent or guarantee the accuracy of the budget. I understand that this tool may collect information and should I choose not to provide such information, I am not to proceed further. If I choose to abandon the tool midway through the process, I understand that the information will not be maintained and I would be required to start providing the information from the beginning. Company disclaims all warranties associated with the budget tool herein. I understand and agree that Company may use the contact information provided herein to contact me through various means of communications, including automated messages, and that I expressly consent to receive these messages.

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