About debt.tools

debt.tools is a free suite of UK-focused financial calculators built to help people understand, plan, and pay off their debt. No signup required, no ads, no data collection. Just clear numbers and honest tools.

Why we built this

Every debt calculator we found online either hid behind a signup wall, bombarded you with ads, or tried to sell you a financial product. We wanted something different: a set of genuinely free tools that respect your privacy and help you make informed decisions about your money.

Debt can feel overwhelming, but understanding the numbers is the first step. Whether you are comparing snowball vs avalanche payoff strategies, figuring out the real cost of minimum payments, or evaluating a balance transfer offer, our calculators give you the clarity you need, in plain English, with no jargon.

Who is behind debt.tools?

debt.tools is built and maintained by an independent team based in Manchester, UK. We design and build tools that help people with everyday financial decisions.

Our principles

• Free forever. No premium tiers, no hidden fees, no upsells.
• Privacy first. All calculations happen in your browser. We never see, store, or transmit your financial data.
• No financial advice. We provide tools and information, not regulated advice. Always speak to a professional for personal guidance.
• Linked to real help. Every page connects you to free UK debt charities.

Need free debt advice?

If you are struggling with debt, free and confidential help is available. These organisations are authorised by the FCA and will never charge you:

• StepChange : 0800 138 1111
• National Debtline : 0808 808 4000
• Citizens Advice
• MoneyHelper

Get in touch

Have feedback, a bug report, or a suggestion? We would love to hear from you. Reach out at hello@debt.tools.

Try Our Tools