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Debt Calculator UK – Work Out What You Can Afford to Pay Each Month

Our free UK debt calculator is designed to help you understand your monthly repayment options based on your financial situation. Whether you're dealing with credit card debt, council tax arrears, or payday loans, our calculator gives you a quick estimate of what you might realistically afford each month — and what solutions you could qualify for, including IVAs, DMPs, and DROs.

This tool is 100% confidential, free to use, and takes under a minute.

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How Our Debt Calculator Works

To get an estimate, our tool will ask for key financial details — such as:

Based on your answers, we’ll show a likely monthly payment amount, and which solutions you may be eligible for:

Example: Jane from Birmingham

Debts: £14,200 (credit cards, catalogue, payday loans)
Monthly income: £1,600
Essential living costs: £1,200

Using the calculator, Jane found she could afford around £150/month. She qualified for an IVA and is now writing off over £9,000 of debt after 60 months of affordable payments.

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What Happens After You Use the Calculator?

Once you’ve used the tool, you’ll have a clear picture of what solutions may work for you. If you choose to continue, one of our friendly UK debt specialists will:

Benefits of Using Our Debt Calculator

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Trusted UK Debt Help

✅ Rated for clear and friendly support

✅ Fast responses and personalised help

✅ Thousands of people helped across the UK

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