Affordability Budget Planner
Budget planning tool for stabilization and realistic offer creation. Calculate what you can realistically afford for settlement offers based on your income and expenses.
Enter Your Financial Information
Monthly Income
Monthly Expenses
Using Your Budget for Negotiations
Document Your Financial Situation
Use this budget analysis to create a financial hardship letter if needed. Creditors are more likely to accept lower settlements when you can demonstrate limited ability to pay.
Start Conservative
Always start negotiations with your conservative payment amount. You can increase your offer during negotiations, but you can't decrease it once proposed.
Build an Emergency Buffer
Don't commit every dollar of discretionary income to settlement payments. Maintain a buffer for unexpected expenses to avoid defaulting on your agreement.
Important: This tool provides educational estimates for planning purposes only. Consider consulting with a financial counselor or attorney before committing to settlement terms.
Ready to Make Your Offer?
Use our settlement offer builder to create a professional proposal based on your budget analysis.