Debt Reduction Calculator

🧭 Free personalised estimate

Build your debt reduction plan

See an estimated debt-free date, test affordable overpayments and identify options that may be worth discussing with a free debt adviser.

🔒 Your figures stay on this device and are not submitted to us.

1. Where do you live?

Debt procedures differ across the UK.

Country or jurisdiction

Urgent action
Court claim, enforcement visit, eviction or disconnection risk Priority arrears
Rent, mortgage, Council Tax, energy, fines or maintenance

2. Your monthly budget

Use approximate household figures. Do not include unsecured-debt payments in essential spending.

Take-home income

Essential spending

Priority-debt payments

Current unsecured payments

3. Your unsecured debts

Include cards, overdrafts, personal loans, catalogues and similar borrowing.

Total unsecured debt

Average interest rate 19%

Number of creditors

Main debt type

4. Assets and circumstances

These figures help screen formal options; they do not determine eligibility.

Savings and valuable assets

Vehicle value

Do you own your home?

Is your income reasonably stable?

I also want to improve my credit profile
Show suitable credit-report or credit-building information if affordable.

This is an information tool, not regulated financial or debt advice.

Optional tools that may fit your result

These are kept separate from the debt-option calculation and never change its outcome.

COMMERCIAL AREA

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Check all three credit reports

Compare the information held by Experian, Equifax and TransUnion before applying for more credit.

See free report options

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Credit-building services

Only consider paid credit-building tools where every payment is comfortably affordable. Improvement is not guaranteed.

Understand the risks first

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Lower-interest comparisons

A soft-search comparison may help where repayments are affordable and the total cost genuinely falls.

Explore the information

Affiliate disclosure: this area is designed to support clearly labelled affiliate links in future. Any paid link will be identified, and commission will not affect the calculator result or ordering.

Important: Estimates use the figures and average interest rate entered and assume no further borrowing, fees or rate changes. Formal-solution eligibility must be confirmed by an approved or appropriately regulated adviser. In England and Wales, current Debt Relief Order (DRO) headline limits include qualifying debts below £50,000, disposable income below £75 a month, assets below £2,000 and a vehicle generally below £4,000. Rules differ in Scotland and Northern Ireland.