Debt and Tax Relief Calculators
This is a complete, regularly updated library of debt and tax calculators, built to be accurate and transparent. Each tool shows exactly how it calculates, links to the government sources behind the numbers, and includes plain-English guidance. Nothing you enter is collected or stored. They are educational estimates, not legal, tax, or financial advice.
How to choose the right calculator
Start with your question. If a creditor is threatening your paycheck, use the wage garnishment calculator. If you are weighing bankruptcy, start with the Chapter 7 means test and the exemptions calculator. If you owe the IRS, try the Offer in Compromise or penalty calculators. If a debt was forgiven, the 1099-C insolvency calculator estimates any tax. To compare paying off versus settling, use the settlement vs. minimum payment tool.
Debt calculators
Debt settlement savings estimator
Illustrative range of what a settlement program might cost versus your balance.
Settlement vs. minimum payment
Compare paying only the minimum against an illustrative settlement.
Debt settlement vs. bankruptcy
Compare settlement, Chapter 7, and Chapter 13 on cost, credit, time, and record.
Credit card payoff calculator
How long a balance takes to clear and the total interest, or the payment to hit a target date.
Debt-free date calculator
The month you could be debt-free, and how much sooner extra payments get you there.
Balance transfer calculator
Compare staying on your card against a balance transfer, after the fee.
Payday loan payoff calculator
The true APR of a payday loan and how rollovers multiply the fees.
Wage garnishment calculator
How much of a paycheck a creditor can take, by state and federal limit.
Statute of limitations calculator
Whether a debt may be too old for a collector to sue, by state and debt type.
Is my debt manageable?
Where your debt load falls, from manageable to hardship.
Debt-to-income (DTI) calculator
Find your DTI ratio and what lenders consider healthy.
Debt payoff calculator
Compare avalanche, snowball, and hybrid payoff strategies.
Credit card interest calculator
How much interest a balance costs and how fast payments clear it.
Budget and loan calculators
Monthly budget calculator (50/30/20)
Split take-home pay into needs, wants, and savings, and compare your spending.
Debt consolidation loan calculator
Estimate a consolidation loan payment and total interest versus what you pay now.
Bankruptcy calculators
Bankruptcy exemptions calculator
What property the federal exemptions protect and what may be at risk.
Chapter 7 means test calculator
Whether your income passes the Chapter 7 means test, Part 1 and Part 2.
Chapter 13 payment calculator
Estimate your monthly Chapter 13 plan payment and plan length.
Chapter 13 cost calculator
Understand the true cost of a Chapter 13 repayment plan over 3 to 5 years.
Chapter 11 payment calculator
Estimate reorganization plan payments for a Chapter 11 filing.
Tax relief calculators
Offer in Compromise calculator
Estimate the minimum the IRS may accept to settle your tax debt.
IRS installment agreement calculator
Estimate a monthly IRS payment plan and streamlined eligibility.
Currently Not Collectible qualifier
Whether your budget may qualify you to pause IRS collection.
IRS penalty and interest calculator
Estimate failure-to-file, failure-to-pay, and interest on unpaid taxes.
1099-C insolvency calculator
How much forgiven debt may be taxable, and how insolvency reduces it.
Chapter 7 means test calculator by state
Median-income limits and the Part 2 expense test, using the U.S. Trustee figures effective November 1, 2025. More states are being added.
Wage garnishment calculator by state
How much of a paycheck can be garnished, applying both the federal cap and the state's own limit. More states are being added.
Statute of limitations on debt by state
The time limit for a creditor to sue, by debt type, and whether a debt may be time-barred. More states are being added.
How these calculators are built and kept current
Every calculator here is transparent by design. Each one includes a "How this calculator works" section that shows the formula or logic it uses, and a "Sources and references" section that links to the primary authority behind the numbers, such as the U.S. Trustee Program for bankruptcy median income, the Department of Labor for garnishment limits, and the IRS for tax rules. Figures that adjust over time, such as the federal bankruptcy exemptions, IRS interest rate, and state median incomes, are dated on each page so you can see which version applies. The tools run entirely in your browser and store nothing you enter.
Frequently Asked Questions
Are these debt and tax calculators free?
Yes. Every calculator is free, needs no signup, and runs entirely in your browser. Nothing you enter is stored or submitted. They are meant to give you a private estimate before you decide what to do.
Are the results guaranteed or official?
No. Each tool gives an educational estimate based on what you enter and general rules, and shows its math and sources so you can check it. Your actual result depends on details the tools cannot capture, such as a creditor's decision, a court's ruling, or the IRS's review. Confirm with a licensed professional.
Do you have a calculator for my state?
We are rolling out state-specific pages for the means test, wage garnishment, and statute of limitations, each with figures verified for that state. The states available so far are linked above, and more are added regularly. The payoff and tax calculators use nationwide rules and apply anywhere.
How often are the numbers updated?
Figures that change on a schedule are refreshed and dated on each page: bankruptcy median incomes update in April and November, the federal exemptions every three years, and IRS interest quarterly. Each page shows the effective date of the figures it uses.
Can I put these calculators on my own website?
Yes. Each calculator page has an embed option that places just the tool on your site with a link back, and the tools are free to use. See the embed box on any calculator page.
Does using a calculator sign me up for anything, and is CuraDebt a law firm?
CuraDebt is a free service that reviews the information you submit and, where appropriate and permitted by law, matches you with independent, licensed providers for debt relief or tax resolution. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
