About DebtRiot

A UK debt payoff calculator built by someone who needed one.

Why DebtRiot Exists

DebtRiot started as a spreadsheet on a laptop in the UK.

The person who built it was staring at credit card statements, overdraft fees, and loan balances — and couldn't find a straight answer to one simple question: "When will I actually be debt-free?"

Every calculator online was either:

  • Built for American rules and rates

  • Focused on a single debt, not the real-life mix of cards, overdrafts, and loans most people carry

  • Vague about what to actually pay each month

So they built their own tool. One that would take real numbers — income, essentials, every debt with its rate and minimum — and show exactly what to pay, when, and for how long.

That spreadsheet became DebtRiot.

It's not financial advice. It's a calculator that answers "if X, then Y" — based on your numbers, not someone else's assumptions.

Built for UK Realities

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APR vs EAR
UK overdrafts use EAR, not APR. DebtRiot calculates both correctly — most US calculators get this wrong.
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5 Payoff Strategies
Compare Snowball, Avalanche, Hybrid (both directions), and Cash Flow Index side-by-side.
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0% Promo Support
Enter promotional rates and when they end. The calculator handles the switch to standard APR automatically.
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100% Private
All calculations happen in your browser. No accounts, no data sent to servers, no credit checks.

How the Calculator Works

The calculator runs entirely in your browser. Your income, debts, and personal details never leave your device — we couldn't see them even if we wanted to.

Here's the process:

  1. Enter your budget — income, essentials, and how much breathing room you want

  2. Add your debts — balance, interest rate (APR or EAR), and minimum payment for each

  3. Compare strategies — Snowball, Avalanche, Hybrid (both directions), and Cash Flow Index side-by-side

  4. See your debt-free date — plus the first 3 months of your payment schedule, free

  5. Get your full plan — a professional PDF with complete payment schedule, calendar, and what-if scenarios (one-time £9.99)

You can update your numbers and regenerate your plan anytime. Pay once, use forever.

Is DebtRiot Right for You?

✅ DebtRiot is for you if:
  • You live in the UK
  • You have credit cards, loans, overdrafts, or store cards
  • You can cover your essentials (rent, food, bills)
  • You can make at least minimum payments
  • You want a clear, realistic plan — not vague advice
⚠️ Get free help first if:
  • You can't cover rent, food, or utilities
  • You're missing minimum payments
  • Creditors are threatening legal action
  • You need regulated debt advice
A calculator can't solve a crisis. Contact a free UK debt charity:
StepChange · National Debtline ·
Ready to see your debt-free date?

Enter your numbers, compare strategies, and preview your plan — completely free.

Try the Calculator
No account required. Your data stays on your device.

Let’s Talk Money.

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