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Debt-to-income ratio (DTI) calculator

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Solutions to take control of your debt

Take control of your debt with these solutions to reduce interest paid, keep your debt low, and meet your goals.

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Home Equity Loans

What is DTI and how does it affect you?

Expand your borrowing power by understanding DTI and how to calculate it.

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Resolve Debt

Overwhelming debt: finding the right help

Feeling buried? Let's explore real solutions that could lift the debt weight off your shoulders.

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Personal Loans

How to use a personal loan for credit card debt

A personal loan could help you crush your credit card debt and finally set a date to say "good riddance."

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Home Equity Loans

When does it make sense to use a home equity loan to pay off debt?

A home equity loan could be your path to lower interest rates and a more manageable financial life.

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Debt Consolidation

How does a debt consolidation loan work?

Debt consolidation loans work like a financial Swiss Army knife, simplifying multiple debts in one useful tool.

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Resolve Debt

Debt solutions: understanding your options

There are financial solutions to heavy debt problems. We'll show you how to choose the right one.

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Achieve.com (NMLS #138464) uses estimates to calculate your program duration, costs and savings. These estimates are based on information from third parties and information you have provided, are for your personal program, are not for general use, and are an approximation and not a guarantee. Actual program duration, costs and savings will vary depending on your individual circumstances, may be higher or lower than estimated, and are subject to change and other limitations.

These are estimates and are not actual amounts or periods. They are determined from information in your credit report and certain assumptions based on our prior experience and publicly available information on interest rates, charges and minimum payment requirements for consumer debt, such as, finance charges accruing at rates ranging from 6% to 29.99% (20.3% for current credit cards and 29.99% for delinquent credit cards) and blending these rates with any other fixed term repayment and high interest loans you may have. Your actual rates, charges, fees and minimum payment requirements may be higher or lower. These estimates also assume that there are no additional charges, rebates, refunds, payments or reductions of your debt other than the monthly payment of the estimated current total minimum monthly payment. This is a fixed monthly payment amount which may differ from the actual required minimum payments on your enrolled debts over time.

  1. Estimated current total minimum monthly payment is the total payment due to your creditors each month for your eligible debt accounts.

  2. Time to pay down your debts is the total estimated number of months it would take for you to pay your debts in full if you pay the estimated current total minimum monthly payment due to your creditors each month.

  3. Total estimated amount you will pay in principal, interest and fees over time if you pay only the estimated current total minimum monthly payment due to your creditors each month.

Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 29.99% and include applicable origination fees that vary from 1.99% to 8.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 8.99%, a rate of 15.49%, and corresponding APR of 20.77%, would have an estimated monthly payment of $561.60 and a total cost of $26,966.26. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for lower rates. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time.

Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 14.75% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 10-day funding: Average funding is 10 to 12 business days from completed loan application and documentation submission and includes closing and rescission. Monthly/yearly savings claim is based on average monthly debt savings from originated loans for Q4 2024. Monthly/yearly savings varies based on each loan situation and can be more or less than $800/$10,000. Contact Achieve Loans for further details.

Affiliated Business Arrangement Disclosure: Achieve.com (NMLS #138464) and Achieve Loans are both wholly owned subsidiaries of Achieve Company. Because of this relationship, your referral to Achieve Loans may provide Achieve.com a financial or other benefit. Where permitted by applicable state law, Achieve Loans charges: 1) an origination fee of 3.50%, and 2) an underwriting fee of $725. You are NOT required to use Achieve Loans for a home equity line of credit. Please click here for the full Affiliated Business Arrangement disclosure form.

Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). All estimates for Achieve Resolution’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Resolution clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Resolution does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Resolution does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Resolution’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of Achieve Resolution services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Resolution obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

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