Debt repayment calculator
Our main tool. Enter what you owe, what you can afford each month and an interest rate (or 0 if interest is frozen) to see:
- how many months and years it would take to clear your debts
- your balance at the end of every month, and the interest you'd pay
- whether a DMP, IVA, debt relief order or bankruptcy might fit, using the official limits for England & Wales
Calculators inside our guides
Some guides include a calculator or checker for that specific topic:
Debt snowball calculator
List several debts and see the order and timeline for paying them off, smallest balance first.
DRO eligibility check
Check your figures against the debt relief order limits: £50,000 debt, £75 spare income, £2,000 assets.
CCJ deadline calculator
Work out when you need to respond to a county court claim form.
Council tax payment plan calculator
Estimate an affordable arrangement for council tax arrears.
Before you rely on any calculator
Calculators can only work with the figures you enter. They can't take account of priority debts, the type of debts you have, your household or changes to your income. Use the results as a starting point, then speak to a free, regulated debt adviser before choosing a solution.
Get free, regulated debt advice
StepChange, National Debtline, Citizens Advice and the MoneyHelper debt advice locator are free and confidential.