Debt Payoff Calculator UK - Personalised PDF Plan (£14.99)
Turn your numbers into a step-by-step plan you can follow. Choose Snowball, Avalanche, Hybrid (switch after N) or Custom, then download a printable PDF with your debt-free date, exact monthly payments and calendars. Anonymous. No sign-up. Instant download.
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Anonymous • No account • One-time £14.99 • No financial advice
Instant digital content. If something goes wrong with your file, we’ll replace/repair/refund.
What’s inside your personalised PDF
Exact monthly payments per debt
Payoff order & milestones for Snowball / Avalanche / Hybrid (N) / Custom
Printable monthly calendars until you’re debt-free (with your chosen payday)
Optional What-If: enter a monthly extra to see time and interest saved
Totals: estimated interest, principal repaid, and debt-free date
Debt Payoff Planner — Create Your DebtRiot Plan
Shown on the cover title. Optional — leave blank if you prefer.
Used for headings and accents in your PDF.
Your total take-home pay per month.
We calculate your debt budget automatically: Income − Costs − Emergency fund.
Set aside this amount before debt payments.
Adds a What-If page showing time & interest saved if you add this extra monthly.
Debts
One row per debt. Type: choose APR for credit cards/loans or EAR for overdrafts. Promo fields are APR-based.
| Debt name | Balance (£) | APR/EAR % | Type | Min payment (£) | Promo APR % | Promo months |
|---|
Limit: up to 20 debts.
Payoff strategy
When off (recommended), promo 0% debts are generally paid after higher-cost debts.
When off (recommended), permanent 0% debts only get minimums until all interest-bearing debts are cleared.
Used in calendars and reminders in your PDF.
How it works
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Enter income and essential costs (or the amount you can pay toward debt). Optionally set an emergency fund that comes out before debt payments.
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Add each debt’s name, balance, APR and minimum. We’ll validate that your monthly budget covers at least the sum of minimums.
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Pick Snowball, Avalanche, Hybrid (switch after N) or Custom payoff order. Choose your monthly payday. Optionally enter a What-If extra per month to see how much sooner you’ll be debt-free and how much interest you’ll save.
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Click Generate PDF Plan. After secure Stripe checkout (£14.99), you’ll be redirected to our thank-you page to generate your PDF immediately.
One-time £14.99. Instant download. Not financial advice.
Why DebtRiot
Built for the UK, fully anonymous, and a one-time £14.99 plan you can actually stick to.
UK-specific (APR, overdrafts, minimums)
Anonymous: inputs processed in your browser
One-time price: £14.99 (no subscription)
Clear, printable roadmap you can stick to
Important information
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Enter the promo APR and months left. The plan prioritises that debt during the promo, then switches to the standard APR automatically.
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Yes. Add it like any other debt with its current APR.
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They’re different to commercial debts. Many people prioritise higher-APR debts first and pay student loans as scheduled. Choose the order you can stick to.
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A month-by-month schedule, payoff order, milestones, a “Quick plan” for the first 3 months, printable calendars, and an optional What-If page.
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Yes. Inputs run in your browser; we don’t save your numbers. No account.
Need more? See the full FAQ
DebtRiot is a self-guided planning tool - not financial advice. If you can’t meet essentials or repayments, consider free, regulated help such as StepChange or National Debtline.