All office hours are Eastern Standard Time...
Credit Counseling
New credit counseling clients
Toll Free: 1-877-906-5599
Certified Credit Counselors are available
Monday - Friday: 8am - 11pm
Saturday: 9am - 6pm
Customer Service
Existing InCharge clients
Toll Free: 1-888-734-6229
Customer Service agents are available
Monday - Friday: 8am - 6pm
Housing Counseling
New or existing Housing clients
Toll Free: 1-877-712-6040
Certified Housing Counselors are available
Monday - Friday: 9am - 5pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Bankruptcy Counselors are available
Monday - Friday: 8am - 9pm
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Day after Thanksgiving
Christmas Day
Speak with a counselor @ 

Personal Finance Calculators

Credit Card Optimizer Calculator

The Credit Card Optimizer helps you determine the best distribution of your credit card debt. By entering your credit card balances, rates and credit limits this calculator determines which balance transfers will produce the greatest savings.

Benefit of Spending Less

Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth, if you were to invest them. View the value of this new potential nest egg both with and without taxes factored in.

Travel Budgeting Calculator

Do you know how much you're going to spend on your travels? The Travel Budget Tool will help you plan your spending.

Rework Your Budget Calculator

Knowing where your money goes is an eye-opening experience and an education in itself. This calculator will help you by tracking your expenses. Keep a log and jot down whatever you spend. In this way, you will be able to take control of your money and your current financial situation.

Emergency Fund Calculator

Prepare for the unexpected by saving three to six months of living expenses. An emergency fund should be easy to access in the event of unemployment, illness or a major unplanned expense. Use this calculator to see how much you need to put aside for your emergency fund.

Savings Calculator

Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time.

Should I Pay Down Debt Or Invest My Monthly Surplus?

Use this calculator to decide if it would be better pay down debt or invest it.

How Much Will My Bonus Net After Taxes?

A nice fat bonus check from your employer sounds great, but you may want to estimate what you will actually take home after federal withholding and social security taxes are taken out.

How Much Will My Savings Grow?

Compound interest can have a dramatic effect on the growth of a series of regular savings and initial lump sum deposits.

How Much Will College Cost?

You may have started a college fund years ago, but do you really know how much college will cost?

Entertainment Planner

If you don't plan ahead, you may spend more on entertainment than you expected. This tool will help you budget for fun.

Budgeting For A Baby Calculator

Preparing for a new addition? Let us help you calculate your new budget plan for one-time and monthly expenses.

Back-To-School Budget

Give your children hands-on experience with this quick and easy Back-to-School Budget Calculator.

Allowance Comparison

A regular allowance is a good way to teach your child about money. This calculator will help you figure out an appropriate allowance for your child.

College Savings Calculator

Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan the better.