Free Canadian decision tool
Debt Decision Planner
Compare your own repayment scenarios, see the trade-off, and leave with a realistic local plan, not a debt-service pitch.
For Canadians who are covering essentials and minimums but want to compare a repayment path.
Free client-side workspace
Compare a repayment path, but only if the situation is safe to compare.
We do not upload your balances, lenders, statements, or payment history. This is a local illustration, not a debt-service recommendation.
No account
Safety before optimization
First, check whether a standard comparison belongs here.
What you leave with
A clear plan, not more financial noise.
- Compare highest-cost-first and smallest-balance-first paths
- Flag plans that do not pay down in the model
- Get a local action calendar and trusted-help route if the situation is unsafe
Read this before you rely on it
It is not for
- Collections, missed essentials, or payday-loan reliance
- Debt settlement, credit repair, or consolidation advice
- Investment recommendations
Your next action
Compare two repayment paths after minimums.
See the assumption, the source state, and the next question to confirm before acting.
Privacy by design
Your financial details are for the calculation, not our database.
This tool calculates in your browser. You can download a local copy or reset the workspace whenever you choose.
Read the privacy approachOptional companion
The tool above is free. The workbook is the part you buy.
Use the workspace as long as you like without paying or creating an account. The companion spreadsheet is for people who want to keep a copy, work offline, and carry the plan forward month by month.
Companion workbook
Debt Decision Companion
- A spreadsheet you keep, for Excel or Google Sheets
- Optional. The tool on this page is free and always will be
- No subscription and no Money Journal account
The workbook is not on sale yet. The tool on this page is free to use right now.