A repayment planning tool for UK organisations and professionals supporting people with debt

Give the people you support something clear to work from.

DebtRiot shows whether the figures support a repayment plan and how five strategies compare. It never picks one for them.

Illustration: a person at a laptop, bills around them and a tangled line above their head

2.8 million

UK adults were in persistent credit card debt in 2024: over the previous 12 to 18 months they had paid more in interest, fees and charges than they had paid off their cards.

Source: FCA, Financial Lives 2024 survey, Credit and loans findings (May 2025)

Someone can be making debt payments every month and still have no clear idea how long repayment could take, what different approaches might cost, or whether a repayment plan is realistic at all.

Two ways to deliver it. One calculation engine.

Professionals use it in session with clients. Organisations offer it to tenants and employees, with anonymous access.

For Professionals

For money coaches and professionals supporting people with their financial wellbeing.

  • Session mode: save and reload client plans
  • Presentation view for in-session use
  • PDF and spreadsheet export, generated on your device
  • What-if scenarios and minimum-only comparison
  • Follow-up progress tracking
Start free trial

For Organisations

For councils, housing associations, employers, utilities and support organisations.

  • Anonymous access: no names, emails or financial figures collected
  • Single access code: return anytime
  • JSON upload for plan tracking
  • Organisation admin dashboard with CSV export
  • Data Processing Agreement included
  • 3-month Discovery period, paid, no auto-renewal
Book a Discovery call

See what the numbers say.

From a tangle of balances and due dates to one clear projection, calculated in the browser.

  1. Step 1

    Affordability

    What the person can afford each month.

  2. Step 2

    Calculation

    DebtRiot brings the debts together and does the maths, in the browser.

  3. Step 3

    Projection

    Five strategies side by side: repayment order, estimated interest cost and expected end month.

  4. Step 4

    Update

    When life changes, the plan can change too. Return to it, update the figures and check progress.

When the figures don't support a plan

DebtRiot says so, and points towards free, regulated debt advice. It doesn't produce a plan the numbers can't carry.

Non-advisory by design

DebtRiot compares strategies. It doesn't recommend one. The professional and the person stay in control of the decision.

The calculation happens on the device.

The calculation runs in the browser. No amounts, balances or plan content are sent to DebtRiot. The plan stays on the person's own device.

ICO registration ZC115123. Data Processing Agreement included for organisations.

Stays on the person's device

Everything they enter, and everything the engine works out.

  • Amounts
  • Balances
  • Interest rates
  • The plan

Reaches the organisation, as counts only

Anonymous planning insights: never amounts, balances or plan content.

  • Plans completed
  • May need more than a repayment plan
  • Most common debt types

Try the Calculation Engine.

The calculation engine behind both products - try it with the sample data below to see how it works in practice.

Compare the mechanics.
Leave the choice to the person.

DebtRiot compares five debt repayment strategies and shows the trade-offs of each. It doesn't say which one is right for anyone.

StrategyHow it worksTrade-off

Avalanche

Pays the debt with the highest interest rate first. Once it clears, its payment rolls into the next highest rate.

Trade-offTypically the lowest total interest, but the first debt usually clears later than under Snowball.

Snowball

Pays the smallest balance first. Each cleared debt frees its payment into the next one.

Trade-offThe first debt usually clears soonest, typically at a higher total interest cost than Avalanche.

Hybrid: Snowball to Avalanche

Starts with Snowball to clear the first 1-3 debts, then switches to Avalanche for the rest.

Trade-offAn early clearance first, then the lowest-interest order. Total cost usually sits between Snowball and Avalanche.

Hybrid: Avalanche to Snowball

Starts with Avalanche on the most expensive debts, then switches to Snowball for the rest.

Trade-offThe lowest-interest order comes first, so early clearances only happen where high-rate debts are also small.

Cash Flow Index

Divides each balance by its minimum payment and targets the debt that frees up the most monthly cash flow first.

Trade-offFrees up monthly cash sooner, but does not aim for the lowest total interest.

No strategy is labelled "best for" anyone. DebtRiot shows the mechanical consequences of each and leaves the choice with the person.

Planning, not regulated debt advice.

DebtRiot does not recommend which strategy somebody should choose and does not provide regulated debt advice. When the figures suggest that a repayment plan may not be appropriate, it points towards relevant regulated and specialist support instead.

If you, or someone you support, is in debt difficulty right now, free expert help is available: