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When you’re in debt, everything looks different.

We can help you see things the way you did before you were in debt.

You’re not alone. 43% of Canadians have experienced an increase in their debt in the last year.

Is something as simple as opening the refrigerator reminding you of the high cost of food?

Do you constantly worry about having enough money for the month?

Nervous to open your bills?

At Farber, we get it! It is common to feel overwhelmed with the cost of just about everything being more expensive than it used to be.

How do you know if you have too much debt?

Knowing where to start isn’t always straightforward, but don’t worry!  Our debt-to-income calculator will let you know how well you’re managing your debt.  It compares how much money you make, and how much money you’re spending on your debts.

Simply move the sliders below to get started.

Your Debt to Income Ratio


Congrats! Your debt-to-income percentage is looking great, so keep doing what you’re doing. If you need any tips, or just want to learn more about money management, click on the Debt & Savings Tips button.

Your debt-to-income percentage is at a level that you might benefit from some financial guidance to keep it from getting higher, click on the Your Options button to learn more.

Your debt-to-income percentage is too high and recommend you explore the options available to reduce your debt. The good news is you’re not alone, click on the Reduce My Debt button to learn more.

This calculator simply provides an estimate of your debt-to-income ratio and is for demonstration purposes only. Actual results may vary based on your unique financial situation.

Whether you have tax, credit card, student loans, payday loans & any other unsecured debt, we’re here to help.

At Farber, we are dedicated to finding the best debt solution for you.

  • We’ll stop collection calls, legal action, and any impact to your salary, so you can breathe a bit easier.
  • We’ll reduce up to 80% of your debt, and the rest is paid monthly based on what you can afford, interest-free.

They helped me file a consumer proposal that cut my debt in half. The process was quick and easy, completed through a half hour zoom call. I’m very satisfied with my monthly payments and when I am able I can pay more to get out of debt sooner.

— Sonja J., 2023

Are you ready to take the first step to manage your debt?

Debt Payment Calculator

Find out how much each debt solution can save you.

Check Your Options

Learn More About How To Get Started

Your path to financial health begins here.

Get Started

Why Farber

With 40+ years of experience, and having helped over 100,000 Canadians, we have the solution you need.

Learn More