Know what to pay
Get one payment amount for every debt, with the extra money clearly identified.
Free Canadian debt planner
Turn what you owe into a plan you can follow.
Add your debts and one honest month of spending. We work out what to pay first, how much to pay each month, and the date you’ll be debt-free.
- Your numbers stay in your browser
- No account or credit card needed
- Handles cards, loans, CRA and more
- Protects essentials before extra payments
Just three steps.
Rough numbers are fine — you can change anything later.
1Step 1 of 3
List what you owe
Cards, loans, BNPL, overdrafts, CRA — anything you owe. A name, the balance and what you pay each month is enough to start. No interest on it? Leave the rate blank.
Start with your first debt
Nothing you enter leaves your browser — this planner runs entirely on your device until you choose to save.
2Step 2 of 3
Map one honest month
Show the plan what life costs before debt payments. We protect rent, groceries and savings first, and rough numbers are fine.
Money in
What hits your bank account after tax.
If it varies, the plan plays it safer.
Money out
Rent or mortgage, utilities, insurance, phone, childcare.
Groceries, gas, prescriptions.
When do you start?
Pick the month you’ll make the first payment. If this month’s bills already went out, start next month.
Your whole plan counts forward from here.
Optional. We’ll start your plan in that month.
Your plan starts July 2026. Make the first payments this month.
3
See your plan
Free and instant. Nothing leaves your device.
What you get
Numbers in. A clear next move out.
This isn’t a generic debt calculator. The plan protects the rest of your life, explains its choices and shows the full route to zero.
Read how every number is calculatedKnow why it works
Compare snowball and avalanche using your own interest cost and payoff date.
Know what comes next
See milestones, credit-health signals and a month-by-month schedule.