No. DebtRiot works instantly in your browser - no accounts or emails required. Enter your details and get your plan.

Absolutely. Tell us what you earn, spend and owe - we’ll create a clear step-by-step repayment plan in plain English.

Snowball, Avalanche, Hybrid (switch after N cleared debts, either direction) and Custom where you set the payoff order.

A quick, side-by-side preview with debt-free date, months to go, estimated total interest and a milestone list for each method.

A personalised, month-by-month plan showing exact payments per debt, payoff order & milestones, printable calendars, your debt-free date and estimated interest. Supports Snowball / Avalanche / Hybrid (N) / Custom.

No. It’s optional. Enter a monthly extra if you want to see how much sooner you’ll be debt-free and the interest saved.

Secure card checkout via Stripe. Price is £14.99 (one-time).

Because the personalised digital content is available immediately after payment, you lose the 14-day cancellation right once generation starts (see Terms of Use). If you have a technical issue generating your PDF, email hello@debtriot.co.uk and we’ll help.

No. Using our calculators or buying the PDF plan does not affect your credit score.

Your inputs are processed in your browser while you build the plan. We don’t run credit checks or connect to your bank.

Credit cards, personal loans, overdrafts, store cards, car finance and student loans. Long-term mortgages are not covered.

Yes - mobile, tablet and desktop.

Anyone with steady income and some money left after essentials who wants a clear, no-shame plan to become debt-free. If you can’t meet essentials or repayments, please contact a free, regulated UK debt advice charity (e.g., StepChange, National Debtline). Not financial advice.