Financial Counseling Association of America

the First Step
Debt Freedom


Get started with FCAA’s free budgeting calculator –
the Debt Freedom Tool

You’re reading this now because you realize something in your financial life needs tweaking. Our non-profit member agencies can help by offering professional credit counseling.

Financial stability starts with a budget that shows you a clear snapshot of your financial situation.


Take Control of Your Finances

Our handy budgeting tool enables you to discover if you have money to spare after paying your monthly bills. Or, perhaps you have a shortfall and need to adjust your spending. With a clear monthly budget, you’ll have a guide to get you on the right track to becoming debt free.


Debt Freedom Tool

Budget Worksheet
  • Monthly Income
  • Housing/Living Expenses
  • Monthly Payments
  • Other Expenses
  • Results
    • Next

    Monthly Net Income



    What You Get with the Debt Freedom Tool

    Once you submit your budgeting worksheet, you’ll receive:


    Step One

    A copy of your budget

    Step 2

    Step Two

    A debt relief recommendation specific to your situation

    Step 3

    Step Three

    The option to follow up with an FCAA member agency licensed in your state to help you with your specific situation


    Please look over your budget before submitting your worksheet, then submit your form. The recommendation for you may not be a debt management plan. However, you still have the option to speak with a certified credit counselor to discuss your particular situation.

    How The FCAA Can help you

    Credit Card Debt

    Credit Card Debt

    We offer tools and expertise to help make debt repayment pain-free.

    Housing Assistance

    Housing Assistance

    We can help with buying a new home, foreclosure, and disaster relief.

    Student Loans

    Student Loans

    Don't let your student loans overwhelm you. We can help.



    Navigate bankruptcy with the help of our expert counselors.

    Established in 1993, the FCAA is a nonprofit member-supported national financial education and wellness trade association.  FCAA member agencies have helped millions of people pay off debts, regain financial independence and save for the future. 

    Financial Counseling Association of America
    Trusted since 1993

    About FCAA


    DISCLAIMER: The FCAA is a member-supported 501(c)(3) non-profit national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.

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