About DebtCalculatorLab

Our Mission

DebtCalculatorLab provides free, CPA-reviewed debt calculators to help consumers make informed financial decisions. We believe that understanding your debt payoff options should not require personal information, credit checks, or paid consultations.

Our platform offers transparent, educational tools that model different debt relief strategies so you can compare your options with accurate, unbiased projections.

Privacy-First Philosophy

Unlike many financial tools, we do not collect personal information, perform credit checks, or require account registration. Your financial data stays on your device—we never see your actual debt amounts, creditor names, or payment history.

This privacy-first approach means you can explore different debt strategies without sales pressure, lead generation, or compromising your financial privacy.

Accuracy & Review

All calculator logic has been reviewed by a Certified Public Accountant (CPA) for mathematical accuracy. Our calculation models follow industry-standard amortization formulas and incorporate realistic assumptions based on FTC, CFPB, and industry data.

While we strive for accuracy, all results are estimates for educational purposes. Actual outcomes depend on your specific circumstances, creditor policies, and payment consistency.

Educational Purpose

DebtCalculatorLab is an educational platform, not a financial advisor. We provide information and modeling tools to help you understand your options—we do not provide personalized financial advice or debt relief services.

For personalized guidance tailored to your situation, consult qualified financial professionals, nonprofit credit counselors, or licensed attorneys.

What We Are Not

• We are not a debt settlement company
• We are not a credit counseling service
• We do not provide legal or financial advice
• We do not collect or sell your data
• We are not affiliated with any government agency