See what to pay
Get one clear payment for every debt, including where your extra money goes.
Free Canadian debt planner
Turn what you owe into a plan you can follow.
Add your debts and one honest month of spending. We’ll show you what to pay first, what to pay each month, and when you could be debt-free.
- Your numbers stay on this device
- No account or credit card needed
- Handles cards, loans, CRA and more
- Protects essentials before extra payments
Three simple steps.
Rough numbers are okay. You can change them later.
1Step 1 of 3
Add your debts
Add anything you owe. A rough balance is enough to start. Include cards, loans, buy now pay later, overdrafts, CRA debt, and anything else. No interest? Leave the rate blank.
Start with your first debt
Your numbers stay on this device until you choose to create an account and save them.
2Step 2 of 3
Build your monthly budget
Leave room for real life. A plan only works if you can live with it. Add one typical month, and rough numbers are okay.
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.
Choose when to start
Choose the month you want to begin. If this month’s bills have already gone out, start next month.
Your whole plan counts forward from here.
Optional. We’ll start your plan in that month.
Your plan starts September 2026. Make the first payments this month.
3
Your plan is ready when you are.
Free, instant, and private on this device.
What you’ll see
A clear plan, built from your numbers.
This isn’t a one-size-fits-all calculator. Your plan protects everyday life, explains each choice, and shows your path toward zero.
Read how every number is calculatedSee why it works
Compare Snowball and Avalanche using your own costs and estimated payoff date.
Know what comes next
Follow your milestones, credit-health signals, and month-by-month schedule.