Financial Tools
Free assessments powered by the same data framework behind the American Distress Index.
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 →