Financial foundations
Credit and Finance Debt Planner
List credit cards, personal loans, catalogue accounts, buy-now-pay-later plans, vehicle finance, mobile phone or device finance and other agreements. Mortgages stay out of this planner because the monthly mortgage payment is already included in living costs.
Private by design: these figures stay in this browser and are not uploaded.
Visual breakdown
Debt composition
Repeated cards or agreements of the same type are grouped into one slice.
Enter debt balances to build the chart.
Your debts
Enter who each agreement is with, what it paid for, and add another row for every extra card, loan or finance provider.
On smaller screens, scroll sideways to see every column. Balance fields keep the full amount visible.
Before investing
Interest can work against you
Add balances and interest rates to see which debt currently has the highest rate.
The largest balance and the highest-rate balance may be different debts.
12-month no-payment illustration
Add an interest-bearing debt
Illustrative balance after 12 months£0
Illustrative interest added£0
When interest is left unpaid, interest added in one month can itself be charged interest in the next. This is compounding working against the borrower.
Illustration only. A lender may calculate interest daily, use a different effective rate, add fees or apply repayments differently.Maintain required payments on every debt. Any extra payment must be affordable, preserve an appropriate emergency buffer and comply with the agreement’s overpayment or early-repayment terms.
Debt payment calendar
See when repayments leave your account. A payment due after the end of a short month is shown on that month’s final day.
Scheduled debt payments£0
Swipe sideways to see the rest of the calendar.
Use this debt summary
The main calculator will receive these credit and finance balances and the amount currently charging interest. Mortgage balances are not included here.
Educational organisation tool only. It does not calculate contractual interest, recommend which debt to repay first or replace regulated financial or debt advice. Check each agreement for its exact promotional end date and rate.