About GetDebtFree.tools
GetDebtFree.tools helps people in the United States understand debt decisions with free calculators, worked examples and practical guides in English and Spanish, plus selected pages in Simplified and Traditional Chinese.
A useful next step
A payoff estimate is more helpful when you can see its assumptions. A guide is more helpful when it explains a decision and gives you questions or a checklist you can use. That is the product we are building.
Start with the debt payoff calculator, explore practical guides or check how the calculations work. The tools and articles are free; using them does not require buying a service.
The person behind the project
Xavier Carraté is the creator and editor. AI assists with development, research, drafting, translation and checks. Our editorial standards explain the difference between those checks and a professional review.
English and Spanish for US readers
Both language versions address US dollars, US financial products and US institutions. Spanish content should explain the same concepts clearly rather than replace US rules with those of another country. Use each page’s language link to see its available counterpart.
Funding
Our model combines free access with affiliation and planned advertising. GetDebtFree participates in CuraDebt’s referral programme through Awin. We may earn a commission for a qualifying action through a paid referral link. Commercial relationships can affect which providers are featured; this site is not a complete market comparison. See the commercial disclosure.
Educational scope and corrections
The site does not assess your complete circumstances or provide personalised financial, legal or tax advice. A calculator result depends on its inputs and assumptions. For a source, translation or calculation concern, use our editorial contact page.
Page updated: September 9, 2026.
Written Chinese resources
The main debt, credit-card and budget tools, selected guides, offer comparisons and monthly worksheets are available in Simplified and Traditional Chinese. Other resources remain in English or Spanish and links identify their language. Chinese translation received AI-assisted checks; independent professional language review is pending. Written Chinese availability does not confirm that an external organization offers support in Mandarin or Cantonese.
Responsibility and independent review
Xavier Carraté is the published creator and editorial contact. Report a content, translation, accessibility or calculation problem at xaviercahe@gmail.com. Use fictional numbers when demonstrating an error. The project does not claim certification by a government agency or a professional regulator.
AI assistance, source checks and software tests are different from an independent review by a qualified lawyer, financial professional or native-language reviewer. A review note covers the identified material and date; it does not endorse every page or predict your result.