Debt Calculators & Guides
Plan repayment, compare consolidation carefully and find impartial support for priority or unaffordable debts.
Calculators
calculatorCredit Card Debt CalculatorCredit Card Debt Calculator with a transparent formula, 2026/27 effective date, worked UK example, official sources and visible review status.calculatorDebt Avalanche CalculatorDebt Avalanche Calculator with a transparent formula, 2026/27 effective date, worked UK example, official sources and visible review status.calculatorDebt Consolidation CalculatorDebt Consolidation Calculator with a transparent formula, 2026/27 effective date, worked UK example, official sources and visible review status.calculatorDebt Repayment CalculatorEstimate payoff time and interest for a fixed debt payment with optional extra monthly payments.calculatorDebt Snowball CalculatorDebt Snowball Calculator with a transparent formula, 2026/27 effective date, worked UK example, official sources and visible review status.calculatorDebt-to-Income Ratio CalculatorDebt-to-Income Ratio Calculator with a transparent formula, 2026/27 effective date, worked UK example, official sources and visible review status.
Guides
articleBankruptcy GuideBankruptcy Guide: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleCan Debt Be Written Off?Can Debt Be Written Off?: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleCar Finance Debt HelpCar Finance Debt Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleCounty Court Judgment GuideCounty Court Judgment Guide: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleCredit Card Debt HelpCredit Card Debt Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleDebt Advice GuideDebt Advice Guide: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleDebt and Mental Health SupportDebt and Mental Health Support: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleDebt and Universal CreditDebt and Universal Credit: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleDebt and Your Credit ScoreDebt and Your Credit Score: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleDebt Collection ScamsDebt Collection Scams: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleDebt Consolidation Loan GuideDebt Consolidation Loan Guide: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleEnergy Bill Debt HelpEnergy Bill Debt Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleHow to Get Free Debt AdviceHow to Get Free Debt Advice: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleHMRC Tax Debt HelpHMRC Tax Debt Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleIndividual Voluntary Arrangement GuideIndividual Voluntary Arrangement Guide: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleOverdraft Debt HelpOverdraft Debt Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articlePersonal Loan Debt HelpPersonal Loan Debt Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleSecured Loan Arrears HelpSecured Loan Arrears Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleSelf Assessment Tax Debt HelpSelf Assessment Tax Debt Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleVAT Debt HelpVAT Debt Help: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.articleHow to Write a Debt Hardship LetterHow to Write a Debt Hardship Letter: a detailed UK guide with a direct answer, worked numerical example, official source citations, limitations, review metadata and practical next steps.