Pick the scenario that fits, and we'll show you the numbers that matter.
Cards, loans, overdrafts: find the fastest payoff order
Debt Payoff →One credit cardSee when you'll be free and how much interest you'll pay
Credit Card →Stuck on minimumsSee the real cost of minimum payments
Minimum Pay →Considering a transferCompare staying vs moving to a 0% balance transfer card
Balance Transfer →8 free tools to help you understand, plan, and pay off your debt.
Compare snowball vs avalanche strategies across multiple debts. Find your fastest path to freedom.
Try it free →See exactly when you'll be debt-free and how much interest you'll pay on a single card.
Try it free →See the shocking cost of only making minimum payments, and what happens when you pay more.
Try it free →Compare the cost of staying vs transferring to a 0% card, and see if you'll actually save.
Try it free →Find out if your debt level is healthy, manageable, or needs urgent attention.
Try it free →Plan your emergency fund or savings target. See how long it takes at your current pace.
Try it free →See if combining your debts into one loan would actually save you money or cost more.
Try it free →Create a simple spending plan that shows exactly where your money goes each month.
Try it free →We built debt.tools because every other calculator felt like it was selling something.
Every other calculator asks for your email first. We ask for your balance. Your data stays in your browser, and we never see it.
We don't just calculate. We compare snowball vs avalanche, show you what-if scenarios, and help you pick the best path.
Every page connects you to StepChange, National Debtline, and Citizens Advice. These are free UK charities that can help if you're struggling.
Go beyond calculators. Build a personalised step-by-step plan to become debt-free.
Enter your debts, income, and expenses. Compare what-if scenarios side by side. Download a PDF plan, track your progress over time, and share your journey.
Build Your PlanFind out when you'll be completely debt-free with a quick calculation.
CalculatePre-calculated timelines for 85+ common UK debt scenarios.
Browse ScenariosBuild your personalised debt freedom plan. It takes less than 5 minutes.
debt.tools is a free suite of UK-focused financial calculators. We help you understand your debt, plan repayment strategies, and make informed decisions, without signup, ads, or data collection.
Yes, 100% free. No premium tiers, no hidden fees, no signup required. We believe everyone deserves access to financial tools without barriers.
All calculations happen entirely in your browser. We never store, transmit, or access any financial information you enter. Your data never leaves your device.
No. All results are estimates based on the information you provide and standard financial formulas. They should not be treated as regulated financial advice. For personalised guidance, speak to a qualified financial adviser or contact a free debt charity like StepChange.
Free, confidential debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000), Citizens Advice, and MoneyHelper. These are FCA-authorised services and will never charge you for help.