Financial Tools
Free assessments powered by the same data framework behind the American Distress Index.
Free Action Plan Assessment
Guided assessment that generates a personalized action plan for your financial situation — mortgage hardship, debt, or early warning. Private, free, no account needed.
Start your assessment →Financial Exposure Check
Six questions that map your household financial stress to the same five dimensions tracked by the ADI. Pure client-side — no data collected.
Take the quiz →Hardship Letter Generator
Answer six questions and get a professional hardship letter for forbearance, loan modification, or other loss mitigation options. Runs entirely in your browser.
Create your letter →Foreclosure Timeline Calculator
Enter your state and last payment date. See federal deadlines, state-specific timelines, and your estimated foreclosure window with countdown dates.
Calculate your timeline →Servicer Report Card
Look up your mortgage servicer and get their grade based on 440,000+ CFPB complaints. See response rates, dispute history, and enforcement actions.
Look up your servicer →Borrower Financial Worksheet
Enter your income and debts to calculate front-end and back-end DTI ratios. See how you compare to FHA, VA, and conventional thresholds and the national debt service ratio.
Calculate your DTI →Document Prep Tracker
Track the 13 documents you need for a loss mitigation application. Check items off, add notes, and print when ready. Saves automatically in your browser — no account needed.
Start tracking →Tariff Cost Calculator
Enter your household income and see how much U.S. tariffs cost your family. Based on Yale Budget Lab quintile data — lower-income households pay nearly triple the rate.
Calculate your cost →Zip Code Stress Test
Enter your zip code to see your state's distress score, foreclosure protections, safety net strength, and how it compares to the national average. Pure client-side — no data collected.
Check your area →ADI What-If Calculator
Adjust the five ADI component Z-scores and watch the composite score recalculate. Load historical scenarios from the GFC, COVID, and pre-pandemic to see what drives the index.
Try the calculator →