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Start with the Payoff PlannerNot sure where to start?
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All 17 tools
Debt Payoff Planner
Best for: You have two or more debts
Enter your debts and monthly budget. Get your debt-free date, total interest and a month-by-month plan using Avalanche, Snowball or Highest Cost First.
UK · USOpen tool →Minimum Payment Trap Calculator
Best for: One card and you only pay the minimum
See how many years and how much interest your minimum payment costs, then slide the payment up to find your escape point.
UK · USOpen tool →Debt Consolidation Reality Check
Best for: Deciding if a consolidation loan or balance transfer is worth it
A clear yes or no, with the exact saving, monthly difference and break-even point. It includes the ‘what if I run the cards back up’ case.
UK · USOpen tool →Credit Card Interest Calculator
Best for: Seeing what a card costs you every day
Watch interest build per second, hour and day, and see what an extra £50 or $50 a month saves in interest and months.
UK · USOpen tool →Savings vs Debt Maximiser
Best for: Deciding whether to save or pay off debt first
Compares your interest rates, pension match and emergency fund to show the best order for your money.
UK · USOpen tool →Debt Settlement Calculator
Best for: Offering a lump sum to settle a debt
Get an opening offer, a realistic settlement range, the likelihood of acceptance and a settlement letter you can send.
UK · USOpen tool →Credit Score Roadmap
Best for: Wanting a score plan, month by month
Enter your score, missed payments and defaults. Get your biggest problem, a month-by-month fix and a projected improvement timeline.
UK · USOpen tool →Credit Utilisation Simulator
Best for: Several cards and a score to protect
Add your cards to see your usage on each and overall, and how much to pay down for the biggest score effect.
UK · USOpen tool →Debt to Income Ratio Calculator
Best for: A mortgage application is coming
Work out your front-end and back-end debt-to-income ratio and which debt to clear first to improve it.
UK · USOpen tool →What Happens If I Stop Paying Debt?
Best for: You are falling behind and scared
See the month-by-month timeline: default, CCJ or court action, bailiffs, statute barred. Facts only, no fear tactics.
UK · USOpen tool →Know Your Rights: Debt UK & US
Best for: Collector calls, bailiffs or threatening letters
Pick your situation to get your legal rights and a template letter you can send. UK and US covered.
UK · USOpen tool →Statute Barred Checker UK
Best for: An old debt has resurfaced
Covers all debt types and all UK regions, including Scotland, with the clock-reset warning and a letter template.
UK onlyOpen tool →Bankruptcy + DRO Eligibility Checker
Best for: The debt is too big to clear in a few years
Check if you may qualify for a Debt Relief Order or bankruptcy, with an IVA comparison and Breathing Space guidance. DROs have had no application fee since 6 April 2024.
UK onlyOpen tool →Emergency Fund Calculator
Best for: Working out how big a safety net you need
Find the fund size that fits your job type and expenses, plus the real cost of having no buffer.
UK · USOpen tool →BNPL True Cost Calculator
Best for: Klarna, Clearpay or PayPal Pay in 3 plans
Add every active plan to see your total monthly obligation. The FCA has regulated BNPL since 15 July 2026.
UK · USOpen tool →Student Budget Planner
Best for: A student wondering if the money lasts the term
Enter your loan, job income and expenses to see whether your money lasts and your exact daily budget.
UK · USOpen tool →Student Loan Calculator
Best for: Seeing what a student loan really costs
UK Plans 1, 2, 4, 5 and Postgraduate; US Standard, IBR and PSLF. See your monthly deduction, total repaid, what is written off and whether overpaying helps.
UK · USOpen tool →How to get the most from them
- Use figures from your latest statement: balance, interest rate and minimum payment. Guessing gives you a guess back.
- Our guides use the same month-by-month method as the planner, and every figure in them is checked in code. See the workings in how long it takes to pay off debt and what happens if you only pay minimum payments.
- For the UK-specific tools, read the law behind them first: how to write off debt in the UK and Breathing Space.
Questions
Are the DebtShift tools really free?
Yes. Every tool on this page is free to use, and none needs a login to get your results.
Which tool should I start with?
If you have two or more debts, start with the Debt Payoff Planner. If you only have one card and pay the minimum, start with the Minimum Payment Trap Calculator. If someone is chasing you, start with Know Your Rights.
Do the tools work in the UK and the US?
Most do, and you can switch currency where it matters. The Statute Barred Checker and the Bankruptcy and DRO Checker are UK only, because they cover UK law. Use the US filter above to hide them.
How accurate are the results?
They are estimates based on the numbers you enter. Our payoff figures work out interest month by month from your balance, rate and payment, so your statement may differ by a few pounds or dollars. The tools show what is likely, not a guarantee, and they are not financial advice.
Where can I get free help from a person?
In the UK, StepChange offers free advice on 0800 138 1111. In the US, the National Foundation for Credit Counseling lists nonprofit credit counselors at nfcc.org or on 877-360-6322.
Start with your debt-free date, then build your plan from there.
Get my free debt-free dateDisclaimer: DebtShift is an educational platform operated by H Ali Logistics Ltd. These tools give estimates from the information you enter and are not financial or legal advice. DebtShift is not authorised or regulated by the FCA. For free debt help, contact StepChange (UK) on 0800 138 1111 or the NFCC (US) on 877-360-6322.
By Hamid Ali, MSc Accounting & Finance, Founder of DebtShift · Last reviewed October 2026