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Consumer Debt Options Calculator

This is the do it yourself Debt Repayment Calculator. This tool will help you get a good idea of which options are available to you, namely Debt Consolidation, Debt Settlement, Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. You can enter your credit card debt amounts as well, and it will analyze the 4 major options available to you.

DISCLAIMER: Legal Fees and costs can vary. This Analysis is a fair representation of Debt Management, Debt Settlement, Chapter 7, and Chapter 13. Due to complexity and variables of individual cases, each option analysis is only an estimate and may not be precise. Once you enter your debt amount and press enter, the form will recalculate and provide you with approximate calculations for each option.

Once you've noted your options you can view the pluses and minuses of each option on our Options Comparison Chart.

Enter Debt Amount

Input Debt Amount and,
Press Enter to view your results:


Debt Management Plan (DMP)
aka Credit Counseling
100% Repayment


Debt Settlement Plan (DSP)
aka Debt Negotiation
50% Repayment
Monthly Payments


Chapter 7
aka Debt Cancellation
0% Repayment


Chapter 13 (3–5 Years) aka Debt Reorganization 100% to 10% Repayment
Cost to File 100% 50% 10%
Without Federal Interest 100% 50% 10%
With 4% Federal Interest 100% 50% 10%