Settlement cost worksheet
Separate proposed creditor payments, fees and other entered costs.
A clearer picture starts with the inputs.
Enter the figures, then calculate. The result will show here with the important limits.
No loan application, settlement offer or provider request is made.
Method, assumptions & limits
The calculation runs in your browser. Inputs are not submitted to a provider and are not saved to an account. Your browser may restore form values when you navigate back. Use Reset inputs when finished on a shared device. Figures are illustrative US dollars. Adds creditor payments, provider fees and other costs. Starting balance minus this sum is not net savings, a tax calculation or a forecast. Excludes costs not entered, new charges on unresolved debts, acceptance risk and timing. Does not determine fee legality. Canceled debt may be taxable; exclusions require separate review.
Sources for this page
- Federal Trade Commission: How To Get Out of Debt
- Federal Trade Commission: Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business
- Internal Revenue Service: Topic no. 431, Canceled debt – Is it taxable or not?
- Consumer Financial Protection Bureau: What is a debt relief program and how do I know if I should use one?
Selected public guidance checked October 29, 2026. Source guidance is general; laws, contracts, program terms and individual circumstances can change the result. How we use sources.
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