Debt Reduction Tools

Debt has the potential to rob people of their plans, hopes, and dreams.  Joseph Sangl is passionate about helping others become DEBT-FREE so they are freed up to go do EXACTLY what they have been put on earth to do – regardless of the income potential.

Use the tools below to get started on your Debt Freedom March.

Some of these tools require the use of Microsoft Excel.  If you do not have Excel, use a free alternative like Open Office (MAC or Windows) or Google Docs which are both excellent alternatives to purchasing Excel)

Debt Freedom Date Calculator

  • This calculation is designed to provide an estimate of your Debt Freedom Date.
  • Enter your debt balances and monthly payments to calculate when YOU will become DEBT-FREE!
  • Click HERE to read how to best use this tool.

Actual Cost Of Debt Calculator

  • A more detailed version of the Debt Freedom Date Calculator
  • Enter your debt names, balances, monthly payments, and interest rates.  This calculator will tell you how much of your payments are actually reducing the amount you owe and how much is going to the banks!
  • If you have high-interest credit cards, it is essential to surf the balances to zero-percent cards to ensure that ALL of the payment is going toward reducing the balance owed.
  • Click HERE to read how to best use this tool.

Early Pay-Off Calculator

  • Use this tool to find out how much sooner you can be debt-free by making extra payments every month.
  • Click HERE to read how to best use this tool.