Start with a quick answer or use a trusted Canadian resource below.
›Is this really free?
Yes. You can use the planner, Snowball, Avalanche, and the free charts without an account. A free account adds two more methods, saving, payment tracking, and email reminders. There are no paid tiers or ads, and we don’t sell your data.
›Where does my financial data go?
Until you choose to save, your planner data stays on your device. The calculation runs in your browser. If you create an account and save, the data travels over an encrypted connection to our database. You can export it or delete your account in Settings.
›Do you connect to my bank?
No. You enter the balances from your own statements. We don’t ask for bank credentials or use a third-party bank-data service.
›One of my debts charges no interest. What do I enter?
Leave the interest rate blank and we’ll treat it as 0%. The debt stays in your plan and gets paid off, but no interest is added. This can include interest-free student loans, family loans, and buy-now-pay-later plans that are still on schedule.
›Can I start my plan next month?
Yes. Under "When do you start?" you can choose any of the next six months. If your income is steady, you can also enter your next payday. The plan counts forward from that month, so check your balances again when you’re ready to begin.
›Which repayment method should I pick?
Choose Snowball if paying off a smaller balance first would help you stay motivated. Choose Avalanche if your priority is lowering estimated interest. Smart Priority and Adaptive Flex can also consider past-due accounts, promotional rates, high credit use, and uneven income.
›My budget doesn't cover my minimum payments. What now?
The planner will pause the payoff date and show steps for making the month more stable. A reputable credit counsellor can explain Debt Management Plans, possible interest relief, and any fees. A federally regulated Licensed Insolvency Trustee can review consumer proposal and bankruptcy options. Their first financial assessment is typically free, and learning about an option doesn’t commit you to it.
›Are the numbers exact?
They’re careful estimates. We use standard interest math and round to the cent, but we don’t know your exact statement dates or fees. Small differences from your statements are normal.
See how the math works.›Will this improve my credit score?
Paying on time and using less of your available credit may help your credit health. Equifax, TransUnion, and lenders use their own scoring models, so the projection is educational. It can’t promise a score change.
›What happens when I miss a payment?
Mark it as missed in your dashboard. Adaptive Flex will update the balances and estimated schedule, then explain what changed. It’s an update to the plan, not a judgment about you.
If debt is affecting your housing, health, food, or safety, skip the planner and start here today. These are trusted places to learn about support. Services, fees, and regulation vary, so ask questions before signing an agreement.
Credit Counselling Canada
creditcounsellingcanada.caA national association with a directory of member agencies. Ask an agency about its services and fees before signing up.
211 Canada
211.caA free way to find local community and emergency support services.
Level It Down provides educational planning tools, not financial, legal, or insolvency advice.