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Free · No account needed · UK focused
Know exactly when you'll be debt free.
Add your debts, set a budget, and get a personalised payoff plan in under 2 minutes. Free forever. No credit check. No judgement.
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No account needed — results in under 2 minutes
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Your data stays on your device — we never see it
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Not regulated advice — free help at StepChange.org
Your personalised planLive preview
Nationwide Overdraft£1,200
39.9% APR — pay this firstPriority 1
Barclaycard (0% ending)£4,200
0% ends in 5 months24.9% after
HSBC Personal Loan£8,500
9.9% APR£185/mo fixed
Debt-free date
Calculating...
Interest saved
£0
vs min payments
0%
40% of the way there already
Enter your real debts to see your true progress
£3,240
Average pounds saved vs minimum payments
4.2 yrs
Average time shaved off payoff with right strategy
8 types
UK debt types — including BNPL and 0% rates
Free
Always free, no card required, no credit check
How it works
Three steps to your debt-free date
No spreadsheets. No jargon. Just an honest plan built around your actual situation.
Step one
01
Tell us about your debts
Add every debt including credit cards with multiple rates, 0% promotional balances, loans, overdrafts, car finance, and BNPL. We handle cards with two or three different APRs on the same balance.
Step two
02
Set what you can afford
Tell us your monthly budget. Schedule future increases too — when a bill ends, you get a pay rise, or a child starts school. We show exactly how each change moves your debt-free date.
Step three
03
Get your roadmap
See your debt-free date, the exact order to pay things off, and how much interest each strategy saves. Ask the AI coach anything about your specific situation in plain English.
What makes it different
Built for how UK debt actually works
Most tools treat all debt the same. Your debts are not the same.
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Multi-rate balance tracking
One credit card can have a 0% promotional balance and a standard purchase balance at completely different rates. We track every portion separately and warn you when deals expire.
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Variable payment schedule
Your finances change. Schedule future budget increases and see exactly how each shift moves your debt-free date forward in real time.
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Strategy comparison
See avalanche, snowball, and custom order all calculated at once. We show you the pound difference so you choose based on real numbers, not a guess.
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Balance transfer analysis
When a 0% balance transfer would genuinely save you money after the fee, we flag it with the exact saving calculated for your specific situation.
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AI debt coach
Ask in plain English. Should I pay my overdraft or credit card first? Get an answer based on your actual numbers, not generic advice.
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Private by design
Everything runs in your browser on the free plan. We never see your financial data. No third parties, no data selling, ever.
My plan
Your debt. Cleared.
Partner offers
Could you be paying less right now?
These products regularly help people in the UK reduce their debt costs. We only feature them when the numbers show they genuinely help.
Affiliate disclosure: DebtCleared may earn a small referral fee if you apply through our links. This never influences what we show. We only surface a recommendation when it is mathematically better for your situation. Always check eligibility and terms before applying.
Via MoneySupermarket
0% Balance Transfer Card
Move high-interest credit card debt to 0% for up to 30 months. A transfer fee applies (typically 1.5 to 3%) but almost always saves money when your current rate is above 15%.
We may earn a referral fee. Eligibility varies. Subject to credit check.
Via Freedom Finance
Debt Consolidation Loan
Combine multiple debts into one monthly payment at potentially a lower rate. Can simplify finances and reduce outgoings when you have three or more separate debts.
One payment
instead of juggling multiple debts with different due dates
We may earn a referral fee. Check APR carefully. Home may be at risk if secured.
Via ClearScore
Free Credit Score Check
Your credit score affects which balance transfer deals and loan rates you qualify for. Checking it is free, takes two minutes, and does not affect your score.
Free forever
knowing your score costs nothing and could unlock better deals