Debt Payoff Calculator UK
Find your fastest route to debt freedom. Enter your debts once — DebtRiot calculates 5 proven payoff strategies and shows which one saves you the most time and money. See your debt-free date, total interest cost, and monthly payment plan. Everything runs privately in your browser.
Compare Snowball, Avalanche & 3 More Strategies Instantly
✓ Compare 5 UK debt payoff strategies side-by-side (Snowball, Avalanche, Hybrid & more)
✓ 100% private — no account, no email, your data never leaves this device
✓ See your debt-free date and preview first 3 months free
✓ Get your complete PDF plan (one payment, unlimited updates forever)
DebtRiot is a planning tool, not regulated debt advice. Struggling with payments? Free help: StepChange | National Debtline
Start your riot against debt
The Smiths — Example payoff snapshot
| Month | Overdraft | Cards | Car | Total |
|---|---|---|---|---|
| Jan 2026 | £484 | £216 | — | £700 |
| Feb 2026 | £270 | £430 | — | £700 |
| Mar 2026 | — | £520 | £180 | £700 |
Avalanche strategy: £700/month clears the 39.9% overdraft first, then rolls payments to high-rate cards, then the car loan. Try the demo below!
Monthly Budget
Tell us what comes in and goes out each month. We'll calculate what's available for debt.
Add Your Debts
List each debt you want to pay off. Drag rows to set a custom priority order.
| NameWho you owe | BalanceTotal amount you owe today | Rate %APR shown on your statement | TypeAPR for cards/loans, EAR for overdrafts | Promo %Current 0% or low rate (leave blank if none) | Promo MonthsHow many months until promo ends | Min PaymentMinimum monthly payment required |
|---|
Find Your Best Strategy
We'll simulate multiple payoff methods and show you which saves the most money and time.
📉 Your Debt Payoff Journey
🎯 Your Milestones
If you're missing payments or feeling overwhelmed, free help is available: StepChange • Citizens Advice • National Debtline
How DebtRiot Works
Four simple steps to your personalised debt-free plan
Enter Your Budget
Add your monthly income, essential costs, and how much you want to set aside for emergencies. Takes 2 minutes.
Add Your Debts
Enter each debt with its balance, interest rate (APR or EAR), and minimum payment. Add promo rates and one-off payments if you have them.
Compare Strategies
DebtRiot calculates 5 proven payoff strategies and shows you which one saves the most money and time. See your debt-free date, total interest, and milestones.
Get Your PDF Plan
Download a professional PDF with your full payment schedule, monthly calendar, milestones, and what-if scenarios. One payment, unlimited updates forever.
Built for the UK
Handles APR and EAR correctly, including overdrafts
100% Private
Your data never leaves your device
Unlimited Access
Pay once, update your plan anytime forever
Ready to Become Debt-Free?
Start with the calculator above — it's free to compare strategies
Try the CalculatorSimple Pricing
FAQ
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Yes, 100%. All calculations happen in your browser. Your income, debts, and personal data never leave your device — we can't see it even if we wanted to. There's no account, no login, and no data stored on our servers.
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Snowball pays off your smallest debt first for quick wins and motivation. Avalanche pays off your highest interest rate first to save the most money. DebtRiot compares both (plus 4 more strategies) so you can see exactly which works best for your situation.
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Comparing strategies and previewing your plan is free. When you're ready for your complete PDF plan with full payment schedule, calendar, and what-if scenarios, it's a one-time payment — no subscription, no recurring fees. You get unlimited updates forever.
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Yes. Unlike most calculators built for the US market, DebtRiot understands the difference between APR (used for credit cards and loans) and EAR (used for UK overdrafts). Just select the rate type and we calculate the interest correctly.
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Come back anytime, update your numbers, and generate a new PDF plan. Once you've paid, you have unlimited access on your device — no extra charge for updates. We recommend reviewing your plan whenever your income, debts, or payments change.
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No. DebtRiot is an information and planning tool. If you're struggling to cover essentials or minimum payments, we recommend speaking with a free UK debt charity like StepChange or National Debtline who can provide regulated debt advice.