Budget Planner
Estimate income, list recurring expenses and review your available monthly balance.
Open the PlannerResources
Organize financial information, evaluate choices and build sustainable habits with useful tools.
Free Tools
Free, educational and private. Your numbers stay in your browser.
Estimate income, list recurring expenses and review your available monthly balance.
Open the Planner
Enter a balance and credit limit to see an educational utilization calculation.
Try the Calculator
Review credit reports, build a budget, identify priorities and record your next steps.
View the ChecklistDownloads
Printable resources to help you organize your next steps.
A practical post-bankruptcy checklist for your next financial chapter.
A printable worksheet to plan income, expenses and savings.
Plain-language definitions of common credit and lending terms.
Official Resources
Not everything has to flow through us. These official sources can help you check and understand your information.
The official source for free credit reports from the three nationwide credit bureaus.
Guides on credit reports, debt collection and your rights as a consumer.
Consumer advice on credit, scams and protecting your identity.
Yes. The Budget Planner, Credit Utilization Calculator and Fresh Start Checklist are free to use without creating an account.
No. The numbers you enter stay in your browser and are not sent to Fresh Start Solution. Some tools let you choose to save a draft on your own device.
No. The Credit Utilization Calculator shows a percentage for educational purposes only. It does not predict or estimate any credit score.
The Fresh Start Program brings these tools together with education and a step-by-step roadmap.