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Consumers these days can be drowning in debt. The education system doesn't prepare you for credit management and as a result, many consumers find it hard to visualize the true cost of carrying debt.

The real damage calculates the true cost of a purchase using your own unique financial situation. Unlike most debt calculators, we don't show how much something will cost if you carry the balance on your credit card. We show you how much you'd save if you never purchased the item in the first place, and instead used the money to pay down your debt. Reverse the logic, and what we end up with is the amount that purchase truly costs you.


What's the world saying about our applications?

"It's actually a genius lesson in how to manage your spending money."

- Glamour Magazine


...if you take the added interest that accrues on the increased balance of your debt into account, over time that price quickly grows—and that's the dollar amount The Real Damage focuses on.



A free online calculator at may help you say no to new spending...

- Wall Street Journal


Do you have a big screen TV on your Santa wish list? How about an Xbox 360, or a new iPad? You might rethink some of those wishes once you check a new website.