Debt Repayment Calculator
Create your personalised plan to become debt-free
Your Debt Overview
Total Debt
£0
Monthly Payment
£0
Average APR
0%
DTI Ratio
–%
Add Your Debts
Debt-to-Income Ratio Analyser
Repayment Strategy
Avalanche
Highest APR first (saves most money)
Snowball
Smallest balance first (quick wins)
Custom
You choose the order
Balanced
Mix of both methods
Extra Monthly Payment (Optional)
£
above minimums
UK Debt Repayment Tips
0% Balance Transfers
Consider transferring credit card debt to a 0% balance transfer card. Many UK cards offer 20-30 months interest-free.
Student Loan Strategy
UK student loans (Plan 1/2) are written off after 30 years. Only overpay if earning significantly above threshold.
Mortgage Overpayments
Most UK mortgages allow 10% overpayment per year without penalty. Even £50/month can save years.
Priority Debts
Always prioritise secured debts (mortgage, car) and priority bills (council tax, utilities) first.
Persistent Debt
FCA rules mean lenders must help if you’ve paid more interest than principal for 18 months.
Section 75 Protection
Credit card purchases £100-£30,000 have protection. Use this for big purchases even if paying off immediately.
Need Help With Debt?
If you’re struggling with debt, free help is available from UK debt charities: