Free calculator + printable kit
See exactly where your debt is heading.
Enter your numbers below and get an honest picture of your debt timeline, what it costs you, and what actually changes the math. No email. No account. Runs in your browser.
Your Situation
Your Debts
Your Strategy
Fill in your income and expenses above to see your numbers.
Your minimum payments alone exceed what's left after essentials. This is a structural problem — see the assessment below.
Your numbers show a path forward.
Your three scenarios
Minimum payments only
No extra payment each month
With extra payment
Minimums + your extra amount
With $100 more / month
Your plan + $100 extra
What this means in plain numbers
What that interest saving could mean:
The Financial Reset Kit
Everything you need to go from financial chaos to a clear picture in one sitting. Seven printable tools built for one specific problem: figuring out where the money went, what must be paid first, and what a realistic next 30 days looks like.
- Survival Budget Template — one page, fillable PDF
- Debt Triage Worksheet — list, categorize, and prioritize
- Bill Payment Calendar — monthly view, essential vs. discretionary
- First 30 Days Checklist — step-by-step action list
- "What to Say to Your Bank" script guide
- Debt Payoff Planner — printable companion to the online calculator
- "What to Do If Your Numbers Are Bad" — restructuring, settlement, and bankruptcy guide
Secure checkout. Instant delivery. No account required.
*After the Bet earns revenue from kit sales. This helps keep the free resources on this site free. We never earn from gambling operators, payday lenders, or any service we wouldn't recommend.*
Free online tools
Calculators Worth Using
These free tools from FinMango, a nonprofit financial health organization, help you understand the financial impact of debt and gambling harm. They’re educational tools, not financial advice. No account, no email, nothing to install.
Minimum Payment Trap
Enter your credit card balances and see exactly how much you'll pay in interest — and how long it will really take — making only minimum payments.
Open tool →Sports Betting Reality Simulator
Shows the financial and cumulative impact of betting patterns over time. Useful for seeing clearly what happened — and for conversations with partners or family members trying to understand the scale of harm.
Open simulator →What's Money Calculator
Calculate what your losses would have become if invested instead. A forward-looking reframe — best used once you've stabilized and are ready to think about building.
Open calculator →These are external tools hosted by FinMango. After the Bet has no affiliate relationship with FinMango — these are listed because they're genuinely useful.
Recommended tool
Block Yourself From Gambling Sites
Self-exclusion software blocks access to gambling sites and apps across your devices. The single most effective thing you can install if you're trying to stop. We recommend Gamban because it's independent, well-maintained, and works across phone and computer.
Gamban (blocking + budgeting)
~$5.42/month
Best for: People who want to block gambling sites and also want a spending awareness tool in one place. Gamban's core strength is blocking — it pairs well with a dedicated budgeting app.
Note: Gamban is a blocking tool first, budgeting second.
Visit Gamban →After the Bet is a self-help content resource, not a financial advisor. Nothing here constitutes financial advice. If you need immediate help, contact the NCPG Helpline at 1-800-522-4700 or dial/text 988.