Privacy-first by design

Built for the people helping others out of debt - session tools for professionals, anonymous access for organisations, one calculation engine underneath all of it.

The debt planning platform for professionals and organisations

For Professionals
Session tools, strategy comparison, PDF and spreadsheet exports
For Organisations
Anonymous access for tenants and employees - no login, no data collected

Two products. One engine.

The professional platforms add session workflows, exports and organisational reporting - built on the same engine.

For Professionals

  • ✓ 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

  • ✓ Anonymous access - no personal data collected
  • ✓ Single access code - return anytime
  • ✓ JSON upload for plan tracking
  • ✓ Org admin dashboard with CSV export
  • ✓ Data Processing Agreement included
  • ✓ 3-month Discovery period · paid, no auto-renewal
Book a Discovery call →
ICO Registration: ZC115123 · HMRC Registered Sole Trader · UK Registered Trade Mark (Class 42) · Professionally Insured · Privacy-First Architecture

Try the Calculation Engine

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

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 Interest

Pays off the debt with the highest interest rate first, regardless of balance. Mathematically, this costs 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.

Trade-off: the lowest total interest of the five, but the first debt clears later than under Snowball.

Snowball

Quick Wins

Pays off the smallest balance first, regardless of interest rate. Individual debts disappear sooner, and each cleared debt frees its payment into the next one.

Trade-off: the first debt clears soonest, at a higher total interest cost than Avalanche.

Hybrid: Snowball → Avalanche

Balanced

Starts with the Snowball method to clear the first 1-3 debts, then switches to Avalanche for the remainder. You choose how many debts to clear before the switch.

Trade-off: an early clearance first, then the interest-optimal order. Total cost sits between Snowball and Avalanche.

Hybrid: Avalanche → Snowball

Balanced

The reverse - starts with Avalanche to tackle the most expensive debts first, then switches to Snowball for the remainder.

Trade-off: the interest-optimal order comes first, so early clearances only happen where high-rate debts are also small.

Cash Flow Index

Frees Up Cash

Calculates each debt's balance ÷ minimum payment ratio and targets the debt that frees up the most monthly cash flow first. It optimises for breathing room rather than for interest.

Trade-off: frees the most monthly cash soonest, and does not minimise total interest.

If you're in debt difficulty right now, free expert help is available:

StepChange · National Debtline · MoneyHelper · Citizens Advice