Terms of Use

Last updated: 18 March 2026

By using debt.tools you agree to the following terms. If you do not agree, please do not use the site.

1. Not financial advice

debt.tools provides calculators, tools, and general information for educational purposes only. Nothing on this site constitutes regulated financial advice, debt counselling, or a personal recommendation. You should not rely solely on our calculators to make financial decisions.

For personalised guidance, please speak to a qualified financial adviser or contact a free debt charity such as StepChange (0800 138 1111) or National Debtline (0808 808 4000).

2. Estimates only

All results produced by our calculators are estimates based on the information you provide and standard financial formulas. Actual outcomes may differ due to changes in interest rates, fees, payment timing, lender policies, and other factors. We make no guarantees about the accuracy or completeness of any result.

3. Use at your own risk

You use debt.tools entirely at your own risk. To the fullest extent permitted by law, we exclude all liability for any loss or damage arising from your use of this site, including (without limitation) any financial loss, indirect or consequential loss, or loss of data.

4. FCA disclaimer

debt.tools is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice, debt management, or any regulated financial service. Links to external organisations (such as StepChange, National Debtline, Citizens Advice, and MoneyHelper) are provided as a public service and do not imply endorsement.

5. Intellectual property

All content, design, and code on debt.tools is owned by the Debt Tools team unless otherwise stated. You may use the site for personal, non-commercial purposes. You may not copy, reproduce, or distribute any part of this site without our written permission.

6. External links

Our site contains links to third-party websites. We are not responsible for the content, privacy practices, or availability of these external sites.

7. Changes to these terms

We may update these terms from time to time. Changes take effect when published on this page. Continued use of the site after changes are published constitutes acceptance of the updated terms.

8. Governing law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact

Questions about these terms? Email us at hello@debt.tools.