Get out of debt! Stay out of debt!

Don’t get caught up wanting stuff now, rather than saving up and buying stuff when you can afford it.

This debt-disease can be cured! With enough discipline and help, we believe anyone can get out of debt.

This free debt-reduction calculator, featured below, was designed to help individuals, and the bishops that advise them, to quickly and easily come up with a plan for eliminating debt. It may not be as easy to stick with the plan, but at least we can help you get started.

Debt Reduction Calculator

THE Debt Reduction Calculator

How fast can I get out of debt?

Possibly the most valuable spreadsheet on this entire website!

Credit Card Calculator

Credit Card Payoff Calculator

Calculates the payment required to pay off a single credit card in X number of years.

We’re debt freeee! Yay! Listen to people say how great it feels to get out of debt.

Listen to Debt-Free people

Listen to the weight lift off as people get debt-free.

References & Credits

1. Feature photo by Allix Rogers; received 13 Nov 2011.

2. These wonderful calculators are supplied by Dr Jon Wittwer of