Debt Management Calculator

Our Debt Management Calculator estimates your monthly payment through a nonprofit Debt Management Plan—enter your total credit card balances to see how much you could save.

Estimate Your Debt Management Payment

To see your potential consolidated payment with Money Fit, please enter your total unsecured debt. This includes balances from credit cards, payday or other short-term loans, collection accounts, and past-due utility or medical bills. Please don't include secured debts such as car payments, mortgages, or rent.


This is a quick estimate only. Please contact us for an accurate estimate.

About the Debt Management Calculator

Our Debt Management Calculator estimates your monthly payment under a nonprofit Debt Management Plan. Enter your total credit card balances to see how consolidating through a credit counseling agency could potentially lower your payments and help you regain control of your finances.

Next Steps After Estimating

1

Review Your Estimate

Look over your calculated Debt Management Plan payment and see how much you could save each month.

2

Speak with a Counselor

Connect with one of our Certified Credit Counselors to discuss your options and get a personalized plan.

3

Enroll in a DMP

Join our nonprofit Debt Management Program to consolidate your balances and lower your interest rates.

Calculator FAQs

What does this calculator compute?
It provides a quick estimate of your total minimum monthly and annual credit card payments based on typical average rates. Every situation is unique, so your actual payment may differ.
Why is there a $400 minimum balance?
Balances under $400 may generally be paid off within 12 months at the standard minimum payment (around $15), so we focus on longer-term balances for this estimate.
Can I add multiple cards?
Yes—enter each account’s nickname, balance, and minimum payment to see your combined totals and receive tailored payoff tips.
How can I accelerate my payoff?
After calculating, check out our “Next Steps” section for strategies such as the Debt Snowball, Debt Avalanche, or exploring nonprofit consolidation services that may help you pay off debt faster.
Do I need to log in?
No registration or sign-in is required. Simply enter your balances and get instant payment estimates whenever you need them.

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