AI Debt Payoff Planner
Enter your debts and get a free personalised payoff plan — free, no signup needed
Enter the total you can pay toward ALL debts each month. We split it automatically.
✅ Your Results
⚡ Want a done-for-you tracker to follow your exact plan?
The DebtShift Smart Payoff System includes a done-for-you tracker and guides — just £12
Get It Now — £12 →Frequently Asked Questions
What is the best debt payoff strategy?
It depends on your personality. Avalanche saves the most money. Snowball gives quick wins. Smart Focus combines both. Try all three above to see which works best for your debts.
How does the Total Monthly Budget work?
Enter the total amount you can afford to pay toward all your debts each month. The tool deducts minimum payments on all debts and throws the remaining budget at your target debt based on your chosen strategy.
Is this tool free to use?
Yes. The DebtShift AI Debt Payoff Planner is completely free. No signup, no credit card, no hidden fees. Enter your debts and get your personalised plan instantly.
Can I use this tool for multiple debts?
Yes. Click Add Another Debt to add as many debts as you need. The tool handles credit cards, personal loans, overdrafts, car finance and any other debt type.
What currencies does the tool support?
British Pound, US Dollar, Euro, Canadian Dollar, Australian Dollar, Indian Rupee, Japanese Yen and UAE Dirham. Select your currency from the dropdown before entering your debts.