Free UK debt tools
Become debt-free faster with a plan that actually works.
Free, no-sign-up calculators for the debt snowball and avalanche methods, budgeting, and mortgage decisions. See your debt-free date, total interest, and month-by-month payoff schedule in seconds.
Start with the Snowball Calculator →The Calculators
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Debt Snowball Calculator
Pay off your smallest balances first for motivating quick wins. See your payoff order, debt-free date, and total interest — with a chart and full schedule.
Most popular
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Debt Avalanche Calculator
Attack your highest-interest debts first to pay the least interest possible. Compare the savings versus minimum payments and the snowball method.
Lowest cost
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Budget Planner
Track income and expenses by category, convert every cost to monthly, and find the spare cash to feed your debt payoff plan.
Find extra cash
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Ditch Your Fix Calculator
Work out whether leaving your fixed-rate mortgage early is worth the Early Repayment Charge, with a clear break-even verdict.
Mortgage
How the snowball works
1
List every debt
Enter each balance, interest rate, and minimum payment. Credit cards, loans, overdrafts, car finance — everything unsecured.
2
Add your overpayment
Any spare amount you can commit each month on top of the minimums. Even £50–£100 makes a huge difference.
3
Watch the snowball grow
Clear the smallest debt, roll its payment onto the next, and repeat. See your debt-free date and the interest you save.
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