Calculators & Interactive Tools
Free, private tools that run in your browser. Change the inputs, read plain-language results, and print or save. Estimates only — not legal or financial advice.
Monthly Household Budget
Build a household budget and see your surplus or shortfall.
OpenDebt-to-Income Ratio
Calculate your DTI ratio to understand affordability.
OpenCredit-Card Payoff
See how long it takes to pay off a card and the interest cost.
OpenSnowball vs. Avalanche
Compare two debt-payoff strategies side by side.
OpenGarnishment Estimate
Estimate garnishment impact with state-specific warnings.
OpenMinimum-Payment Cost
See the true cost of paying only the minimum.
OpenDebt-Settlement Affordability
Check if a settlement offer is affordable for you.
OpenEmergency-Fund Goal
Set and plan an emergency-fund savings goal.
OpenJudgment Interest Estimator
Estimate interest accruing on a judgment.
OpenStudent-Loan Payment Comparison
Compare federal repayment plan options.
OpenRent vs. Buy
Educational comparison of renting vs. buying.
OpenVehicle Affordability
See what vehicle payment fits your budget.
OpenBankruptcy Budget Worksheet
Prepare a budget for a bankruptcy consultation.
OpenSettlement Payment-Plan
Build a payment plan for a settlement.
OpenFinancial-Health Self-Assessment
A quick check-in on your financial wellness.
OpenGeneral educational information. This is not legal advice and does not create an attorney-client relationship. Attorney Amy Ginsburg is responsible for the content of this communication.