Free Tool
Debt savings estimator
Two paths, side by side: holding your current monthly payment until the balance clears, versus a structured resolution on assumptions you control. Every calculation runs in your browser, nothing is sent to Debt Consulting Group.
Keep paying as you are
Your current monthly payment held flat until the balance clears.
$94,697
Estimated total you would pay
- Time to payoff
- 7 yr 3 mo
- Interest paid
- $49,697
- Monthly payment
- $1,100
Structured resolution
Built from the assumptions you set, not from any negotiated outcome.
$24,750
Estimated total on your assumptions
- Program length
- 3 years
- Monthly deposit
- $688 / mo
- Amount to resolve (55%)
- $24,750
- Program fee (0%)
- Not modelled
Illustrative difference in total paid
$69,947
Path B would also finish 4 yr 3 mo sooner. An estimate on your assumptions, not a result we are promising.
Side by side
Bars are scaled to the larger figure in each pair.
This is an illustration, not an offer
These figures are an illustrative estimate only. They are not an offer, a quote, a proposal, or a guarantee of results, and they do not create any client relationship. Path B is arithmetic applied to assumptions you chose with the sliders, it is not a prediction of what any creditor will accept.
Actual outcomes vary and depend on your creditors, balances, account status, documentation, and what you can sustainably pay. Debt resolution can affect your credit and may have tax consequences, and some creditors will not negotiate at all. Nothing here is legal or tax advice. Any fee we charge is discussed and put in writing with you before you enrol, this tool does not quote fees, and the fee slider defaults to zero for that reason.
How these numbers are calculated
- Path A holds your current monthly payment flat and amortises the balance month by month:
interest = balance × (APR ÷ 12), thenbalance = balance + interest − payment, until the balance reaches zero. The final month is a partial payment, and the calculation stops at 60 years. Real minimum payments usually shrink as the balance falls, which would make this path longer and more expensive than shown. - Path B is
debt × settlement % + debt × fee %, spread evenly over the program length you chose:monthly deposit = total ÷ months. It assumes no further interest accrues on resolved balances, which is a simplification. - Interest is compounded monthly, all amounts are rounded to the nearest dollar for display, and no inflation, late fees, penalty-rate increases, or new borrowing are modelled.
- Everything runs in your browser. Nothing you enter is transmitted, logged, or stored.
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