Top 10 Tools for Managing a Budget and Debt

How we rank

We opened every page on 2026-10-13 and applied the same five criteria to every entry, including our own: (1) the page opens without payment or login; (2) it is available in French; (3) the publisher is identified, preferably a public body or a regulated institution; (4) Quebec's reality is taken into account, or the limit is stated plainly; (5) an informational notice or disclaimer accompanies the tool. We describe only what each page shows, with no numerical score. The order reflects how many criteria we could observe and how close the page is to an official source.

1. FCAC — Budget Planner

The planner collects income, savings and expenses, produces a summary with suggestions and lets users save the budget through a unique link to resume later. The page mentions no registration. The tool is in French and comes from a federal agency.

2. FCAC — Credit Card Payment Calculator

The tool compares three ways to repay a credit-card balance: the minimum only, the minimum plus an extra amount, or a fixed amount each month. It is in French and the page mentions no registration. It covers a single type of debt.

3. FCAC — Financial Goals Calculator

The tool helps manage debt and savings goals. The page states it is provided for information only and that your financial institution can help if you need support. We saw no further detail on the tool's home page.

4. Éducaloi — Credit and debt

The section covers loans and financing (credit file, instalment sales, mortgages, bank accounts), as well as over-indebtedness and bankruptcy: solutions, collection, debt consolidation, consumer proposals and personal bankruptcy. It is the only entry centred on rights under Quebec law. It offers no calculator.

5. Desjardins — Budget Planner

The tool lets users record and track income, expenses and savings. You fill in only the relevant sections. The page suggests connecting to Desjardins' online services to track actual spending. The institution is Quebec-based and the page is in French.

6. National Bank — Building a personal budget

The guide explains how to choose a tool, list net income and expenses, set aside a share for savings and an emergency fund, then review and update the budget. It is an educational text with no calculator. The page is in French and comes from a Quebec institution.

7. QuebecTaux

QuebecTaux publishes calculators under /fr/guides/calculateurs, in French and English, with an informational notice. Criteria met: French, informational notice, editorial content designed for Quebec. Criteria not met or limited: QuebecTaux is not a public body, and its budget and debt planning offer is narrower than the FCAC's dedicated tools. During the 2026-10-13 check, we could not reopen our own pages at the address tested. The entry therefore rests on the site's design.

8. National Bank — Financial statement

This online tool pictures your finances at one moment. You enter assets and liabilities (credit cards, loans, mortgages) to compute net worth. Results can be emailed. The page states the tool does not replace a qualified adviser.

9. FCAC — Mortgage Calculator

The tool works out regular mortgage payments, produces an amortization report and estimates the interest and time saved through prepayments. It covers mortgage debt, often the heaviest in a budget. It comes from a federal agency.

10. Canada.ca — Financial calculators and tools

The directory sorts tools by theme: debt (credit-card payment calculator), debt and savings (financial goals), budget (planner), savings (bank account comparison), retirement and financial literacy. It is a gateway to several tools in this list.

Disclosure: QuebecTaux appears in this ranking

QuebecTaux publishes this ranking and appears in it. We applied the same criteria to everyone. Our entry is judged like the others, including where a criterion is not met. Our team opened the other nine pages, and we received no payment for including them. If you spot an error, write to us through the contact page and we will correct it.

Checklist

• ✓Gather three months of statements before entering a budget
• ✓Choose a planner and enter net income and expenses
• ✓List every debt with balance, rate and minimum payment
• ✓Compare at least two ways to repay a credit card
• ✓Set aside a share for savings and an emergency fund
• ✓Review assets and liabilities once a year
• ✓Read your rights on credit and collection
• ✓Note the date and assumptions of each calculation
• ✓Consult a professional if payments become impossible