A private, safe space to plan a way out of debt, for UK organisations and professionals
Give the people you support something clear to work from.
DebtRiot is designed as a private, safe space for people with debts. They see their whole picture, priority debts first, and check honestly whether a repayment plan can work, with free debt advice one tap away. If it can, they compare five strategies and choose their own, then keep it on track day by day, with a check-in every month. It never picks for them.
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, whether a repayment plan is realistic at all, or where to turn for free help.
One product.
Two ways in.
Professionals use it in session with clients, from money coaches to regulated debt advisers. Organisations offer it to the people they support, with anonymous access. One calculation engine underneath both.
For Professionals
For anyone who works through debts with a client, from money coaches to regulated debt advisers.
- An honest check together: can a plan work at all?
- Session mode and presentation view, plans saved and reloaded
- Five strategies compared, none recommended
- PDF, spreadsheet and SFS export, generated on your device
- Your client tracks the plan day by day, with monthly check-ins
- Follow-up progress tracking at the next session
For Organisations
For councils, housing associations, employers, utilities and support organisations.
- The whole journey: picture, honest check, own plan, day by day, monthly check-ins
- Free help and an Exit this page button on every screen
- Anonymous access with one code: no names, emails or financial figures collected
- Plan kept on the person's own device, in the browser or as an app
- Admin dashboard with anonymous counts, monthly reports and CSV
- Data Processing Agreement included
- 3-month Discovery period, paid, no auto-renewal
See what the numbers say.
From a tangle of balances and due dates to one clear picture, an honest answer and a plan the person chooses, calculated in the browser.
- Step 1
The whole picture
Income, spending and every debt in one place, priority debts first. A ? beside every field explains the words.
- Step 2
An honest check
Can a repayment plan work at all on these figures? DebtRiot does the maths, in the browser, and says so plainly.
- Step 3
Their own strategy
Five strategies side by side: repayment order, estimated interest cost and expected end month. The person chooses.
- Step 4
Day by day, every month
The months ahead upfront, every payment on its day, and a monthly check-in. When life changes, the plan changes too.
When the figures don't support a plan
DebtRiot says so, and points towards free, regulated debt advice, with a Standard Financial Statement ready to take along. 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.
Free help on every screen
A directory of genuine, free organisations in nine topics, with nothing hidden, and an Exit this page button always in reach.
The calculation happens on the device.
The calculation runs in the browser. No names, no exact amounts, balances or plan content are sent to DebtRiot. The plan stays on the person's own device.
DebtRiot Ltd, ICO registration ZC267106. 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
- Creditor names
- The plan
Reaches the organisation, as counts only
Anonymous planning insights, with small numbers rounded or held back: never exact amounts, balances or plan content.
- Plans completed
- May need more than a repayment plan
- Most common debt types
- Total owed, in broad bands
- Free help clicked
See it in action.
Try it with sample figures: what a person sees from the first sign of trouble to a plan, and what an organisation sees.
Compare the mechanics.
Leave the choice to the person.
DebtRiot compares five debt repayment strategies and shows the trade-offs of each. In every one, priority debts such as council tax, rent and energy are paid first. It doesn't say which one is right for anyone.
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 debts, then switches to Avalanche for the rest. The switch can be set after 1 to 4 cleared debts.
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, and nothing is pre-selected. In every strategy, priority debts are paid first. 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. Inside the tool, a directory of genuine, free help in nine topics is on every screen.
If you, or someone you support, is in debt difficulty right now, free expert help is available: