Build your personalised plan to become debt-free. Five steps, five minutes, and everything stays on your device.
You enter all your debts (balances, interest rates, minimum payments), your income, and expenses. The planner compares snowball and avalanche strategies, shows your debt-free date, and generates a month-by-month action plan you can download as a PDF.
Yes. Everything runs in your browser and is saved to your device using localStorage. We never see, store, or transmit your financial data. Your information never leaves your device.
The individual calculators handle one debt at a time. The planner brings everything together: all your debts, your income, your expenses. It creates a complete strategy with exact payment amounts for each debt every month.
Yes. Your data is automatically saved in your browser. When you return to the planner page, your debts, income, and strategy will be exactly as you left them. You can update amounts as your situation changes.
The planner works with whatever you can afford. If your disposable income is very low, free debt advice charities like StepChange (0800 138 1111) or National Debtline (0808 808 4000) can help you explore formal debt solutions like DROs, IVAs, or breathing space.