Debt-Free Tools
Calculators
Practical tools to help you see where your money goes, plan your way out of debt and pay off your home sooner. The Free tools are open to everyone. Silver tools come with free Silver membership, and Gold unlocks everything.
Debt Snowball Calculator
List your debts, add any extra you can pay each month, and see your debt-free date and how much interest you'll save.
Open calculator → SilverZero-Based Budget Planner
Give every dollar a job. Enter your income, plan your expenses and watch your balance hit zero. Print or save it as a PDF.
Open calculator → SilverMortgage Eliminator
Compare a line of credit with a standard home loan, side by side, and see what putting your surplus straight onto your loan could do.
Open calculator → SilverThe Money Mirror
Bring your whole financial picture into one place, and get a clear report of where you stand today with practical next steps.
Open tool →Budget Pulse
Take your budget with you. Log spending from your phone and track plan versus actual through the month, category by category.
Find out more →Not a member yet? Join Money Syndicates free to unlock the Silver calculators.
These calculators give general illustrations only, based on the figures you enter. They are not financial, tax or credit advice.