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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 | Calculate your consumer proposal monthly payment and total debt reduction. Free, anonymous calculator shows 60-80% debt elimination. Updated Feb 2026. |
| 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 | Calculate if your debt passed statute of limitations by province. Free checker for Ontario (2 years), Quebec (3 years), Alberta (2 years). Updated Feb 2026. |
| Owe CRA tax debt and want to compare relief programs | CRA Debt Calculator | Calculate CRA debt payment plans and relief options. Free calculator estimates monthly payments, interest relief, and consumer proposal settlements. |
| 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 | Calculate maximum legal wage garnishment in your province. Free tool shows protected income, garnishment limits, and how to stop excessive deductions. Updated 2026. |
Consumer Proposal Calculator Canada - Estimate Payment & Debt Reduction 2026
Calculate your consumer proposal monthly payment and total debt reduction. Free, anonymous calculator shows 60-80% debt elimination. Updated Feb 2026.
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 Debt Calculator Canada - Check If Debt Expired 2026
Calculate if your debt passed statute of limitations by province. Free checker for Ontario (2 years), Quebec (3 years), Alberta (2 years). Updated Feb 2026.
Use Calculator →CRA Debt Calculator Canada - Payment Plan & Relief Options 2026
Calculate CRA debt payment plans and relief options. Free calculator estimates monthly payments, interest relief, and consumer proposal settlements.
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 →Debt-to-Income Ratio Calculator Canada (DTI/TDS) – 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 Payment Shock Calculator Canada 2026 – Estimate Your New Payment
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: Check Legal Limits by Province
Calculate maximum legal wage garnishment in your province. Free tool shows protected income, garnishment limits, and how to stop excessive deductions. Updated 2026.
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
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