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Free Debt Calculators
Understand your debt relief options with free Canadian-specific calculators. No signup required—your data never leaves your browser.
All tools are 100% free • No email required • Results are private
Which Calculator Should I Use?
| If you... | Use this calculator | You'll learn |
|---|---|---|
| Have $10,000+ in unsecured debt and want to see how much you could eliminate | Consumer Proposal Calculator | Enter your debts, income, and assets to estimate what your consumer proposal payment would be. Free calculator with provincial rules built in. |
| Want to pay off debt yourself and compare snowball vs avalanche strategies | Debt Payoff Calculator | Compare debt payoff strategies and calculate your debt-free date. Free snowball vs avalanche calculator with payment schedules and interest savings. |
| Have old debts and want to know if they are statute-barred | Statute of Limitations Calculator | Enter your province and date of last payment to check if your debt is past the statute of limitations. Find out if creditors can still sue you. |
| Owe CRA tax debt and want to compare relief programs | CRA Debt Calculator | Enter your CRA debt amount to compare payment arrangement, consumer proposal, and bankruptcy options for tax debt. See potential savings and garnishment risk. |
| Debt collectors are harassing you and you want to document violations | Harassment Score Calculator | Assess debt collector harassment and document violations. Free calculator checks if collectors violated Canadian laws and shows next steps. |
| Planning a mortgage or renewal and want to check GDS/TDS limits | DTI Ratio Calculator | Calculate your debt-to-income ratio (DTI) and total debt service (TDS). Free calculator shows if you meet lender limits (39% GDS / 44% TDS). |
| Mortgage renewing in 2026 and want to estimate your new payment | Mortgage Shock Calculator | Calculate your 2026 mortgage renewal payment shock. Free calculator shows payment increase at current rates (4.5-5.5%) and debt relief if you can't afford renewal. |
| Your wages are being garnished and you want to check if it exceeds legal limits | Wage Garnishment Calculator | Enter your income and province to estimate how much of your paycheque creditors or CRA can legally garnish. See provincial exemption limits and protection options. |
Consumer Proposal Calculator Canada: Estimate Your Monthly Payment
Enter your debts, income, and assets to estimate what your consumer proposal payment would be. Free calculator with provincial rules built in.
Calculate Your Savings →Debt Payoff Calculator Canada - Snowball vs Avalanche Method 2026
Compare debt payoff strategies and calculate your debt-free date. Free snowball vs avalanche calculator with payment schedules and interest savings.
Use Calculator →Statute of Limitations Calculator Canada: Check If Your Debt Is Expired
Enter your province and date of last payment to check if your debt is past the statute of limitations. Find out if creditors can still sue you.
Use Calculator →CRA Debt Calculator Canada: Estimate Tax Debt Relief Options
Enter your CRA debt amount to compare payment arrangement, consumer proposal, and bankruptcy options for tax debt. See potential savings and garnishment risk.
Use Calculator →Debt Collector Harassment Calculator Canada - Check Your Rights 2026
Assess debt collector harassment and document violations. Free calculator checks if collectors violated Canadian laws and shows next steps.
Use Calculator →DTI Calculator Canada: Check Your Ratio (2026)
Calculate your debt-to-income ratio (DTI) and total debt service (TDS). Free calculator shows if you meet lender limits (39% GDS / 44% TDS).
Use Calculator →Mortgage Renewal Calculator Canada (2026)
Calculate your 2026 mortgage renewal payment shock. Free calculator shows payment increase at current rates (4.5-5.5%) and debt relief if you can't afford renewal.
Use Calculator →Wage Garnishment Calculator Canada: Estimate What Creditors or CRA Can Take
Enter your income and province to estimate how much of your paycheque creditors or CRA can legally garnish. See provincial exemption limits and protection options.
Use Calculator →About Our Calculators
Data & Privacy
- ✓ Stored: No — nothing saved on our servers
- ✓ Sent to server: No — all calculations happen in your browser
- ✓ Shared: Never — we don't sell or share any data
Accuracy & Limitations
- ⚠ Results are estimates, not guarantees
- ⚠ Based on typical scenarios; your situation may differ
- ⚠ Not financial advice — consult an LIT for personalized guidance
Frequently Asked Questions
Financial Stress Index
Tariffs, Layoffs & Mortgage Renewal Shock
Track Canada's $3.21 trillion household debt crisis with real-time data from Statistics Canada. Provincial rankings, employment trends, and 24-month charts.
Not Sure Which Calculator to Use?
Take our free 2-minute quiz to find the right debt relief option, or compare all solutions side by side.