Money Fit Debt & Repayment Calculators
Free online tools to estimate your monthly credit card minimums and compare those against a nonprofit Debt Management Plan (DMP). No login required.FinancialMentor.com Debt Snowball Calculator
Lets you enter up to 10 debts and compares both the snowball and avalanche payoff methods, showing timelines and interest costs.Calculator.net Debt Payoff Calculator
Estimates time to repay one or multiple debts and suggests the most cost-efficient sequence using the avalanche method.Bankrate Debt Paydown Calculator
Builds a personalized debt paydown plan using your debts, interest rates, income, and tax bracket—then shows a full repayment schedule.Credit Karma Debt Repayment Calculator
Estimate payoff timelines and monthly payments for credit card, auto, student, or personal loans, with a breakdown of interest vs. principalRamsey Solutions Debt Snowball Calculator
Uses the snowball method to help you identify your “debt-free date” and gain momentum toward eliminating your debt.Debt can be one of the biggest obstacles to financial independence. At Gamble Risk Management, we focus on strategies that help you pay down debt faster, free up cash flow, and stay debt-free for the long term. Our approach is based on education, realistic budgeting, and smart financial tools -- not quick fixes.
Assessment – Understanding your current debt landscape: balances, interest rates, and repayment terms.
Prioritization – Identifying which debts to tackle first for the greatest long-term benefit.
Acceleration – Using strategies to increase repayment speed without sacrificing financial stability.
Prevention – Building habits and safeguards that help you avoid falling back into debt.
Greater monthly cash flow
More flexibility in life decisions
Improved credit health
Reduced stress and financial risk
Whether you're just starting your financial journey or looking to refine your existing plan, our goal is to equip you with the clarity, tools, and confidence to make the best decisions for your future. Book Your Consultation today and take the first step toward your own financial independence.
Know your rights when a debt collector calls
The Fair Debt Collection Practices Act says people collecting debts can’t harass, oppress, abuse, or deceive you or anyone else they contact.CFPB data point: Becoming credit visible
These publications are intended to further the Bureau’s objective of providing an evidence-based perspective on consumer f inancial markets, consumer behavior, and regulations to inform the public discourse.FamilyMeans Free Budget & Debt Counseling
Offers free sessions with certified credit professionals to understand your finances, craft realistic spending plans, set achievable goals, and develop action plans.FTC Advice on Getting Out of Debt Safely
Recommends working with reputable non-profit credit counselors who offer free information, budgeting workshops, and personalized plans—without demanding large upfront fees.Military OneSource Financial Guide
Offers practical advice on making a realistic spending plan, distinguishing essential vs. discretionary expenses, and steering clear of debt traps.