Getting out of debt is actually a matter of controlling your impulses, not a matter of mere calculations.
You can use debt calculators and find out how much a debt relief option can save you. You can also know about the time it will take to make your debt payments. You can do as many calculations as you want. However, you won't actually be able to get out of debt without controlling your impulses. You need to stop making impulse purchases. This means, you've stop yourself from buying anything that looks beautiful or appealing. This is because if you continue to shop till you drop, then you'll never be able to reduce your expenses and get rid of debt.
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