About ClearDebtTools

ClearDebtTools publishes free calculators and plain-English guides that help US households plan debt payoff, budgets, savings, and borrowing.

Our mission

Money decisions are easier when you can see the numbers. Our tools show the result and the math behind it, so you understand what drives the answer instead of trusting a black box.

How we build our calculators

Each calculator uses standard financial formulas, such as the fixed-payment loan formula and monthly compounding. We list the assumptions on every page, test the tools against hand calculations, and review them when rules or common guidelines change.

Editorial standards

Guides are written for education, in plain language, and use worked examples taken from our own calculators. We do not accept payment to recommend financial products. Every page shows when it was last updated, and we correct errors promptly. If you spot a mistake, contact us.

How we earn money

The site is supported by advertising, which may include Google AdSense. Advertising does not influence our calculators or guides.

Your privacy

Calculators run in your browser and the numbers you enter are not sent to us. Read our privacy policy for details.

Who runs the site

Publisher: ClearDebtTools