Built for the professionals helping people out of debt - session tools for coaches, anonymous access for organisations, one calculation engine underneath all of it.
The debt planning platform for coaches and organisations
For Debt Coaches
Session mode, presentation view, branded PDF output, what-if scenarios, progress tracking across sessions, and a directory listing. Built for running debt coaching sessions.
Start free trial →For Organisations
Anonymous access for tenants or employees. No personal data collected from end users. DPA included. Free 3-month pilot, no auto-renewal.
Request a free pilot →Try the Calculation Engine
The calculation engine behind both products - try it with the sample data below to see how it works in practice.
Available for debts: £700/month
| Name | Balance | Rate % / Type | Debt type | Min/mo |
|---|---|---|---|---|
£ |
Credit Card | £ |
||
£ |
Credit Card | £ |
||
£ |
Store Card | £ |
||
£ |
Overdraft | £ |
||
£ |
Car Finance | £ |
Extra lump sums — bonus, tax refund, gift money. Applied in addition to the regular monthly budget in that specific month only.
This tool is for demonstration and educational purposes only. It does not constitute financial advice and is not regulated by the Financial Conduct Authority. Figures shown are projections based on sample data; actual repayment costs and timelines will vary. Users should seek independent financial or debt advice before making any decisions about debt repayment.
Free Debt Support
What's included in each platform
The professional platforms add session workflows, branded outputs, and organisational reporting — built on the same engine.
For Debt Coaches
- ✓ Session mode — save and reload client plans
- ✓ Presentation view for in-session use
- ✓ Branded PDF output with your logo
- ✓ What-if scenarios and shock comparison
- ✓ Coach directory listing included
For Organisations
- ✓ Anonymous access — no personal data collected
- ✓ Return codes for session continuity
- ✓ Org admin dashboard and CSV export
- ✓ Data Processing Agreement included
- ✓ 3-month free pilot · no auto-renewal
The 5 Debt Payoff Strategies
DebtRiot runs all five simultaneously - switch between them to see the difference in timeline and total interest in real time.
Avalanche
Saves Most InterestPays off the debt with the highest interest rate first, regardless of balance. Mathematically, this costs you the least in estimated interest over the full repayment period. Once the highest-rate debt is cleared, the freed-up payment rolls into the next highest rate.
Snowball
Quick WinsPays off the smallest balance first, regardless of interest rate. You eliminate individual debts quickly, building momentum and motivation. May cost slightly more in total interest than Avalanche, but many people find it easier to stick with.
Hybrid: Snowball → Avalanche
BalancedStarts with the Snowball method to clear your first 1–3 debts for quick wins, then switches to Avalanche for the remaining debts to minimise interest. You choose how many debts to clear before switching. Combines motivation with maths.
Hybrid: Avalanche → Snowball
BalancedThe reverse — starts with Avalanche to tackle the most expensive debts first, then switches to Snowball for the remainder. Useful when your highest-rate debts also happen to be among your smaller balances.
Cash Flow Index
Frees Up CashCalculates each debt's balance ÷ minimum payment ratio and targets the debt that frees up the most monthly cash flow first. Doesn't optimise for interest — it optimises for breathing room. Particularly useful if your minimum payments are eating into your budget.
DebtRiot is a calculation and planning tool, not regulated financial advice. If you're in debt difficulty right now, free expert help is available:
StepChange · National Debtline · MoneyHelper · Citizens Advice