Find Your Debt-Free Date
in 60 Seconds
17 free AI-powered debt tools. No signup. No cost. Enter your debts and get your exact payoff date, total interest saved, and a step-by-step plan that actually works.
Every Tool You Need to Crush Debt
Built for people in debt. Not for people who already have it together.
AI Debt Payoff Planner
Enter your debts and get your exact debt-free date, total interest saved, and a personalised strategy. Avalanche, Snowball or Smart Focus.
Use Free Tool →Minimum Payment Trap Calculator
See exactly how many years and how much interest your minimum payments are costing you. Use the slider to escape the trap instantly.
Use Free Tool →AI Credit Score Roadmap
Enter your score and get a personalised month-by-month improvement plan. See your projected score in 6, 12 and 24 months.
Use Free Tool →Debt Consolidation Reality Check
A clear YES or NO on whether consolidation saves you money — with the exact figure, monthly saving and break-even point.
Use Free Tool →Statute Barred Checker UK
Find out if your UK debt is legally unenforceable. All debt types, all regions. Clock reset warning and letter template included.
Use Free Tool →Debt Settlement Calculator
Find your opening offer, realistic settlement and likelihood of acceptance. Get a ready-to-send letter template. Only free tool of its kind in the UK.
Use Free Tool →From Debt to Free in 3 Steps
No jargon. No financial advisor. No cost.
Enter your debts
Add your balances, interest rates and minimum payments. Takes 60 seconds. No account needed. Your data never leaves your browser unless you choose to save it.
Get your exact plan
See your debt-free date, total interest you will pay, and the exact order to pay debts for maximum savings. Compare Avalanche, Snowball and Smart Focus strategies side by side.
Follow the plan. Get free.
Use any of 17 free tools to tackle every angle of your debt. Credit score. Statute barred. Consolidation. Settlement. Rights. Budget. All free. All in one place.
Built Different. Built for You.
Most debt sites sell you something. We give you the tools.
Your data stays private
All calculations happen in your browser. We never see your debt details unless you choose to save your plan. No account required to use any tool.
Built for UK and US
Every tool supports both £ and $. UK-specific tools cover statute barred, DRO, IVA, Breathing Space and FCA rights. US tools cover FDCPA, IBR, PSLF and state SOL.
Free. Always.
Every tool on this site is free to use. No credit card. No trial. No catch. DebtShift Pro adds data saving across tools — but the tools themselves are always free.
Results in 60 seconds
No waiting for a callback. No booking a consultation. Enter your numbers and get your exact debt-free date, plan and strategy immediately.
Education not sales
DebtShift is an educational platform. We explain debt in plain English, verify every fact, and never push products or affiliate links inside our tools.
Real help when it matters
Every tool that touches serious debt situations shows free regulated help links to StepChange (UK) and NFCC (US) prominently — always in the initial page load.
Common Questions
Everything you need to know about DebtShift.
Start Free. Get Your Debt-Free Date Today.
17 free tools. No signup. No cost. The only thing you need is your balance and interest rate. Takes 60 seconds.
DebtShift tools are for educational and informational purposes only. Results are mathematical estimations based on the information you provide. This is not financial advice. DebtShift is not FCA regulated. If you are struggling with debt, free regulated help is available from StepChange (UK) · 0800 138 1111 · or NFCC (US) · nfcc.org.