Debt Repayment Calculator UK - Compare Methods & Get Your Plan
Compare Snowball, Avalanche, Hybrid & Custom with your numbers. See debt-free date, months & estimated interest side-by-side. UK-specific, anonymous, no sign-up.
Built for the UK (APR, overdrafts, minimums). Your inputs stay in your browser. When you’re ready, unlock your month-by-month PDF for just £14.99 - instant download.
Try the free comparison, then turn the winner into a plan you can follow.
✅ UK-specific (APR, overdrafts, minimums) ✅ Anonymous, no account ✅ One-time £14.99 (no subscription)
See a real example (what you’ll download)
Here’s what your PDF looks like - clean, printable, and easy to follow.
Summary: budget, emergency fund, allocated-to-debts
Milestones: when each debt clears + debt-free date
Payment schedule: exact monthly payments and printable calendars
How the Calculator Works
(3 Simple Steps)
It takes a minute to preview, and a few more to build your full plan.
Step 1 — Add Income, Costs & Debts
Enter your income, essentials and all debts (cards, loans, overdraft, student loan). Calculations run in your browser — no account required.
Takes about 30 seconds.DebtRiot helps UK users create a personalised debt payoff plan using Snowball, Avalanche, Hybrid (switch after N) or Custom. Your PDF shows your debt-free date, payoff plan, monthly payments, printable calendars, and optional What-If savings.
If you enter a monthly extra, we show exact time/interest saved.
Why Choose DebtRiot Over Other Debt Tools
Many tools are slow, gated or generic. DebtRiot is UK-focused, anonymous and gives you a clear, printable roadmap - supporting Snowball / Avalanche / Hybrid / Custom so you can pick what you’ll actually stick with.
Built for the UK: cards, loans, overdraft, 0% promo
Anonymous: runs in your browser; no account; nothing saved
Actionable PDF: month-by-month schedule, milestones, calendars
All strategies: Snowball / Avalanche / Hybrid / Custom
Transparent price: one-time £14.99 (no subscription)
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No. DebtRiot is a self-guided planning tool. If you’re struggling to meet essentials or repayments, please contact free, regulated help like StepChange or National Debtline.
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No. It runs fully in your browser and does not save your data.
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Credit cards, overdrafts, personal loans, BNPL. You can include 0% promo months and minimum payments.
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Snowball clears the smallest balances first (great for motivation). Avalanche attacks the highest APR first (minimises interest). You can also use Hybrid or Custom.
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Yes. Add promo months for a debt and we treat the APR as 0% for that period, then revert.
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Your PDF uses your inputs and standard repayment rules. It’s an estimate - real-world interest and fees can vary.
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A downloadable PDF with your monthly schedule, printable calendars, payoff order, milestones and summary.
Important Information
⚠️ Important: DebtRiot is a self-guided planning tool - not financial advice. It works best if you have steady income and some money left after essentials.
If you’re unable to meet your monthly obligations, we strongly recommend contacting a free, regulated service like StepChange or National Debt Line
Ready to stop guessing?
Compare methods with your numbers in 60 seconds - then download a plan you can stick to.
Let’s Talk Money.
Got a question or idea?
Use the contact form or email hello@debtriot.co.uk - we usually reply within 24–48 hours (UK business days).
Got questions? See our FAQ