AI Tools — Alex & Savings Calculator

🤖

AI Advisor

Alex — AI Debt Advisor

Ask anything about your debt, your options, your timeline, or whether you qualify. Alex gives direct, personalized guidance — not a scripted FAQ.

Personalized guidance for your specific situation
Explains all 5 debt relief options plainly
Estimates timelines and savings in plain English
Available 24/7, no hold music, no pressure

🤖

Alex — AI Debt Advisor

DebtHelp, Inc. · Available 24/7

🤖

Hi, I’m Alex. I can help you understand your options, estimate your timeline, and figure out the path that makes the most sense for your situation. What would you like to figure out first?

📊

Free Calculator

Savings Calculator

Adjust your total debt and monthly budget to instantly estimate your settlement amount, potential savings, and program length.

Instant estimate — no login required
Based on DebtHelp's historical settlement data
Shows savings vs. paying full balance at 22.83% APR
Adjusts in real time as you move the sliders

Start My Full Plan →

How the Calculator Works

1. Est. Settlement Amount

Calculated as 50% of your total debt. This is a conservative estimate based on DebtHelp's historical results — actual settlements typically range from 40–60% of the enrolled balance, depending on creditor, account age, and circumstance.

2. Savings vs. Paying As Agreed

Calculated using a fixed monthly payment at 22.83% APR (Federal Reserve national average) until fully paid, compared to our settlement estimate.

3. Program Length

Estimated based on your monthly budget relative to the settlement amount. Assumes funds accumulate in a dedicated savings account before creditor negotiation begins.

Results are estimates only. Individual results vary based on creditor, account type, balance, and financial circumstance. This is not a guarantee.

AI Tools Built for Debt Relief

Alex — AI Debt Advisor

Alex — AI Debt Advisor

Savings Calculator

How the Calculator Works