FREE DEBT TOOLS
Every Tool You Need to Crush Your Debt
17 free tools built for people in debt. No signup required. No cost. Real answers to your real situation — in 60 seconds.
Debt Payoff Tools
● LIVE
Debt Payoff Planner
Enter your debts and get your exact debt-free date, total interest saved, and a personalised payoff strategy — Avalanche, Snowball or Smart Focus.
Use Free Tool →● LIVE
Minimum Payment Trap Calculator
See exactly how many years and how much interest your minimum payments are costing you — then use the slider to find your escape point instantly.
Use Free Tool →● LIVE
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. Includes the “what if I run cards back up” scenario most calculators skip.
Use Free Tool →● LIVE
Credit Card Interest Calculator
Watch your interest tick up in real time. See the cost per second, per hour, per day — and exactly how much adding £50/$50 a month saves you in interest and months.
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Savings vs Debt Maximiser
Should you save or pay off debt first? Get a mathematically optimal answer that accounts for your interest rates, pension match, and emergency fund — not generic advice.
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Debt Settlement Calculator
Find your opening offer, realistic settlement range and likelihood of acceptance. Get a ready-to-send full and final settlement letter — free, no account needed.
Use Free Tool →Credit Score Tools
● LIVE
Credit Score Roadmap
Enter your score, missed payments and defaults. Get your biggest problem identified, a personalised month-by-month fix plan and your projected improvement timeline.
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Credit Utilisation Simulator
Add all your credit cards and see your exact utilisation ratio per card and overall. Find out precisely how much to pay down for maximum credit score impact.
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Debt to Income Ratio Calculator
Calculate your front-end and back-end DTI ratio instantly. Find out if you are mortgage-ready and which debt to clear first for the biggest lending improvement.
Use Free Tool →Debt Rights & Legal Tools
● LIVE
What Happens If I Stop Paying Debt?
See the exact legal and financial timeline of what happens when you stop paying — month by month. Default, CCJ, bailiffs, statute barred. No fear tactics. Just facts.
Use Free Tool →● LIVE
Know Your Rights — Debt UK & US
Select your situation — collector calls, bailiffs, threatening letters, CCJ, old debts — and get your exact legal rights with a ready-to-send template letter. UK and US covered.
Use Free Tool →🇬🇧 UK ONLY
Statute Barred Checker UK
Covers all debt types and all UK regions, including Scotland. Clock reset warning, written acknowledgment rule, and a ready-to-send letter template — free, no account needed.
Use Free Tool →🇬🇧 UK ONLY
Bankruptcy + DRO Eligibility Checker
Find out if you qualify for a Debt Relief Order or Bankruptcy in plain English — DROs have had no application fee since April 2024. Includes an IVA three-way comparison, Breathing Space guidance and profession warnings.
Use Free Tool →Budgeting & Planning Tools
● LIVE
Emergency Fund Calculator
Find out exactly how much emergency fund you need based on your employment type and expenses. Includes the real cost example of having no buffer — and the best accounts to keep it in.
Use Free Tool →● LIVE
BNPL True Cost Calculator
See the real cost of Klarna, Clearpay and PayPal Pay in 3. Add all your active BNPL plans and find your total monthly debt obligation. The FCA has regulated BNPL since 15 July 2026 — know what you owe now that it matters more than ever.
Use Free Tool →● LIVE
Student Budget Planner
Built for UK and US students. Enter your maintenance loan, job income and expenses. Find out if your money lasts the full term — and your exact daily budget down to the penny.
Use Free Tool →● LIVE
Student Loan Calculator
UK Plans 1, 2, 4, 5 and Postgraduate. US Standard, IBR and PSLF. See your monthly deduction, total you will actually pay, what gets written off — and whether overpaying saves you anything.
Use Free Tool →Ready to See Your Exact Numbers?
Every tool above is completely free, permanently — no signup, no login, no catch. Start with your debt-free date and build your plan from there.
Get My Free Debt-Free Date →
Disclaimer: DebtShift tools are for educational and informational purposes only. Results are mathematical estimations based on the information you provide. This is not financial advice. If you are struggling with debt, free help is available from StepChange (UK) · 0800 138 1111 · or NFCC (US). DebtShift is not FCA regulated.