Take Control of Your Debt With These Free Tools

These free debt calculators help you set up payment plans to get back in the black. Apps for budgeting and personal finance do a good job of tracking your money as you earn and spend it. Some also have excellent debt calculators that help you figure out how to pay off your debts. Each debt calculator is a little different. Some suggest a specific method for paying down debt, while others are simulators that let you see how your total amount paid will decrease if you increase your monthly payment.