Enter income and each regular outgoing. It returns what is left at the end of the month, which is the figure a counselor works from in a free session. It can be printed to bring along.
It runs entirely in your browser. Nothing you enter is sent anywhere, nothing is stored, and it does not ask who you are. It is a calculator rather than advice, and a certified counselor can go through your own situation with you free of charge.
Prefer to talk to someone? Call 800-857-2808. Credit counseling is free and there is nothing to buy.
