Debt Payoff Calculator UK
✓ Compare 5 UK debt payoff strategies side-by-side (Snowball, Avalanche, Hybrid & more)
✓ Private by design - no account. Your debt details stay on your device
✓ Preview your debt-free date and first 3 months free
✓ Pay once - generate updated plans anytime (PDF + CSV download)
Enter your debts once and see projected timelines and interest costs based on the numbers you enter.
Compare Snowball, Avalanche & 3 More Strategies Instantly
Start your riot against debt
DebtRiot is an information and planning tool - not regulated debt advice. Results are estimates based on what you enter.
If you’re struggling with payments, free help: StepChange | National Debtline
Need a budget first?
Not sure how much you can overpay each month? Use the free Cash Stuffing Calculator to build a simple envelope budget and estimate your monthly leftover cash.
Try Cash Stuffing (Free) →
The Smiths — Example payoff snapshot
| Month | Overdraft | Cards | Car | Total |
|---|---|---|---|---|
| Jan 2026 | £484 | £216 | — | £700 |
| Feb 2026 | £270 | £430 | — | £700 |
| Mar 2026 | — | £520 | £180 | £700 |
Example only — the calculator estimates outcomes based on the numbers entered. Try the demo below to explore options.
Monthly Budget
Tell us how much you can put towards debt each month.
Option A: Enter your income and expenses — we'll calculate what's left for debt.
Option B: If you already know how much you can put towards debt, enter that directly.
⚠️ Important: If you're struggling to cover essentials or minimum payments, free help is available: StepChange / National Debtline
Add Your Debts
List each debt you want to pay off. Drag rows to set a custom priority order.
0% promotional rates: If you have a 0% deal (e.g. balance transfer), enter the promotional rate and months remaining so the schedule accounts for when it expires.
| NameWho you owe | BalanceTotal amount you owe today | Rate %APR shown on your statement | TypeAPR for cards/loans, EAR for overdrafts | Promo %Current 0% or low rate (leave blank if none) | Promo MonthsHow many months until promo ends | Min PaymentMinimum monthly payment required |
|---|
How it works: Enter the amount and select which month you expect to receive it. The simulation will show how this extra payment affects your projected debt-free date.
Compare Repayment Strategies
See how different repayment methods compare for your situation.
Results are projections — actual outcomes may vary based on rate changes, fees, or payment variations.
Strategy for PDF: Select which repayment method to use in your personalised plan. Review the comparison cards above to see how each method affects your projected timeline and estimated interest.
Hybrid: Switch after: For Hybrid strategies only — set how many debts to clear before switching methods.
Payday: The day you plan to make payments — used to generate your payment calendar.
Prioritise expiring promos: When enabled, debts with promotional rates (e.g. 0% balance transfers) expiring within 3 months are placed earlier in your payment order, before the standard rate applies.
📉 Your Debt Payoff Journey
🎯 Your Milestones
If you're missing payments or feeling overwhelmed, free help is available: StepChange • Citizens Advice • National Debtline
How DebtRiot Works
Four simple steps to your personalised debt-free plan
Set your monthly debt budget
Either enter your income + essentials to estimate what’s left, or choose “I know my budget for debt” and enter one number. Add an optional emergency buffer if you want breathing room.
Add debts (UK rates)
Enter each balance, interest rate (APR or EAR), and minimum payment. If you have a 0% deal, add promo rate + months so the model can switch to the standard rate when it ends.
Compare 5 payoff strategies
See estimated timelines, interest cost, and milestones across Snowball, Avalanche, Hybrid and more — then choose what fits you.
Download your plan (PDF + CSV)
Preview the first 3 months free. When you’re ready, download the full plan as a modern PDF (and CSV schedules), including optional snowflakes (one-off extra payments) and what-if scenarios.
Built for the UK
APR vs EAR support (incl. overdrafts)
Privacy-first
Calculator runs locally; analytics only if you opt in
Pay once
Generate updated plans anytime your numbers change
Ready to see your debt-free date?
Try the calculator above — free to compare strategies
Jump to the CalculatorSimple Pricing
FAQ
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Yes. Calculations run locally in your browser and we don’t receive the figures you type into the calculator. We only run basic, anonymised analytics if you consent in the cookie banner.
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You can either enter your full monthly budget (take-home pay, essentials and an emergency buffer) or enter a single monthly “budget for debts” if you already know what you can afford. For each debt, use your latest lender statement/app for balance, rate type (APR/EAR) and minimum payment.
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Yes. Select APR or EAR for each debt (overdrafts often use EAR). If a 0% deal ends after a set number of months, enter the promo details so the model can switch to the standard rate.
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Yes. Unlike most calculators built for the US market, DebtRiot understands the difference between APR (used for credit cards and loans) and EAR (used for UK overdrafts). Just select the rate type and we calculate the interest correctly.
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Snowflakes are one-off extra payments you can make when you have spare cash — like a bonus, tax refund or gift money. Choose the month you expect it and the plan will show the impact on your timeline.
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Comparing strategies and previewing your plan is free. Downloading the full personalised PDF plan is a one-time payment (£9.99) — no subscription. After purchase, you can generate updated plans using your Recovery Code (fair-use and device limits apply).
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No. DebtRiot is an information and planning tool — not regulated debt advice. If you need personalised help, free and confidential support is available from StepChange or National Debtline.