DebtNorth
Free Canadian Debt Calculators
17 tools built for Canadian debt decisions — organize notices, test cash-flow gaps, compare payoff assumptions, and use your actual lender or agency terms.
Consumer Proposal Planning Worksheet Canada (2026): Prepare for an LIT Review
Most usedUnsecured debt is hard to sustain — illustrate a proposal payment scenario
Prepare Your Proposal Numbers →Debt Consolidation Calculator Canada (2026): Payment and Interest Comparison
Debt Payoff Calculator Canada (2026): Compare Your Repayment Paths
Paying debt yourself — compare snowball vs avalanche timelines
Run Calculator →Job-Loss Runway Calculator Canada (2026): How Long Can Savings Cover the Gap?
Job loss or reduced hours — estimate a savings runway
Run Calculator →December Cash-Flow Planner Canada 2026: Holiday Spending and January Bills
SeasonalDecember spending — protect January bills before holiday purchases
Run Calculator →HELOC Borrowing Capacity Calculator Canada (2026): Equity and Interest Illustration
Homeowner pickHome equity — illustrate entered value, draw, and interest
Run Calculator →Debt Statute Limits Calculator Canada (2026): Start With the Right Date
Old debt — use dates to flag questions for province-specific review
Run Calculator →CEBA Repayment Gap Calculator Canada 2026: Plan Before December 31
DeadlineCEBA maturity — compare the lender balance with repayment capacity
Run Calculator →CRA Debt Planning Worksheet Canada (2026): Classify the Claim Before Comparing Options
CRA balance or notice — organize the claim and cash-flow facts
Run Calculator →Credit Union Loan Comparison Calculator Canada (2026): Compare Actual Quotes
Consolidating debt — compare actual credit-union and bank quotes
Run Calculator →Balance Transfer Payoff Calculator Canada (2026): Test the Offer You Have
Credit card debt — see if you can clear it before promo expires
Run Calculator →Debt-to-Income Calculator Canada (2026): Check DTI Ratio
Mortgage or loan planning — compare your stated income and payments
Run Calculator →RC4288 Taxpayer Relief Calculator Canada (2026): Build a Better Request
CRA penalties and interest — organize an RC4288 file
Run Calculator →CERB Repayment Help Canada (2026): Check the Notice Before You Pay
CERB or benefit claim — classify the notice and documents
Run Calculator →Mortgage Renewal Payment Shock Calculator Canada (2026): Use Your Actual Quote
Renewal quote — illustrate the payment change under your assumptions
Run Calculator →Debt Collector Contact Log Canada: Organize What Happened
Collector contacts — document the facts and screen the next step
Run Calculator →Wage Garnishment Calculator Canada (2026): Protected Paycheck
Paycheque deduction — identify the mechanism and screen Ontario civil garnishment
Run Calculator →Privacy
- ✓ Nothing saved on our servers
- ✓ All calculations happen in your browser
- ✓ We never sell or share any data
Accuracy
- ⚠ Results are estimates, not guarantees
- ⚠ Based on typical scenarios; your situation may differ
- ⚠ Not financial advice — consult an LIT for guidance
Common questions
Run the numbers, then talk to someone who can act on them.
Take our free 2-minute quiz for a personalized recommendation — or compare all Canadian debt relief options side by side before your next step.