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Get a clear picture of your spending vs. your income. Begin your online budget and financial analysis now by clicking the button above.

Our experts are here to help you understand your options and reach your goals. After you complete the easy-to-use online budget, one of our trained counsellors will reach out to you and provide recommendations.

Everything shared is 100% confidential and secure.

I understand and agree that by choosing “Start your online budget now”, I am voluntarily providing certain personal financial information in order to educate myself as to my current financial position. I understand that this budget tool is educational in nature, and that none of the information received in the form of a budget constitutes financial advice, nor does it constitute a counselling session. I understand and agree that the budget depends on the information I input into the fields, and that Company does not represent or guarantee the accuracy of the budget. I understand that this tool may collect information and should I choose not to provide such information, I am not to proceed further. If I choose to abandon the tool midway through the process, I understand that the information will not be maintained and I would be required to start providing the information from the beginning. Company disclaims all warranties associated with the budget tool herein. I understand and agree that Company may use the contact information provided herein to contact me through various means of communications, including automated messages, and that I expressly consent to receive these messages.

You are not alone:

Rick D. got help with $25,000 in BC4 minutes ago
Samir H. got help with $19,999 in QC6 minutes ago
Graham M. got help with $37,000 in AB7 minutes ago
Ashley W. got help with $14,999 in ON8 minutes ago
Ryan V. got help with $24,999 in BC9 minutes ago
Aidan L. got help with $29,999 in ON10 minutes ago
Yannick B. got help with $14,999 in QC15 minutes ago
Julie Magdala V. got help with $29,999 in QC16 minutes ago
Josh S. got help with $24,999 in ON18 minutes ago
Marifel M. got help with $19,999 in AB18 minutes ago
Jennifer K. got help with $40,000 in AB19 minutes ago
Genevieve M. got help with $14,999 in QC21 minutes ago
Loick B. got help with $14,999 in QC22 minutes ago
Swapnil P. got help with $19,999 in ON23 minutes ago
Mahmoud G. got help with $29,500 in ON23 minutes ago
Laureen R. got help with $14,999 in NS25 minutes ago
Catherine R. got help with $19,999 in QC26 minutes ago
Michelle B. got help with $36,000 in BC28 minutes ago
Kossi David A. got help with $20,000 in QC28 minutes ago
Mouad E. got help with $30,000 in QC28 minutes ago
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More than 500,000 Canadians helped in 10 years

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Almost $500 million in debt eliminated

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300+ hrs. of education offered each year

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Review your debts, budget and credit with a trained credit counsellor to see if you qualify for a debt management program and explore other options for relief, so you can avoid bankruptcy.

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Take the time you need to decide. Once you are ready to enroll, we will call your creditors and work with them to lower your interest rates and stop late fees.

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The program is easy! You make one payment to us each month, and we distribute the funds to your creditors on your behalf. You can be out of debt in as little as 36 months.

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Rated 4.7 / 5 based on 6,888 reviews onTrustpilot
5 stars

Always friendly staff

Always friendly staff, and also very helpful

Glen Martineau

5 stars

An invaluable service…

They have been a saving grace for me; their service has been invaluable. Before…

Tyler J

5 stars

The agent explained all…

The agent explained all my options and then recommended the payment plan. Then they…

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5 stars

Simple and they truly…

Simple and they truly help you!

customer

5 stars

Really awesome

Really awesome, saved me from crippling debt

IAN M.

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Working Great So Far

Working Great So Far

Gerry Pfennigs

5 stars

My questions were…

My questions were answered clearly and thoroughly

Rocky Butala

4 stars

Excellent service

I feel they have been attentive and have helped me very quickly.

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Helpful staff with good…

Helpful staff with good solutions.

Daniel Grant

5 stars

Friendly

Friendly, helpful employees

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I highly recommend them.

I’ve been using them for over a year. Consolidated was very helpful and…

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