Debt Plans Your Clients Act On
Build, compare, and present personalised repayment plans during coaching sessions - then hand your client a branded PDF they'll actually follow.
Spreadsheets Weren't Built for Client Sessions
You know the drill. A shared Google Sheet with manual formulas. Balances that don't update. No way to show a client what happens if they pay an extra £50 a month. And definitely nothing you'd put your name on.
DebtRiot is the debt planning tool built for coaches - enter debts, compare strategies side by side, present the plan on screen, and export a report your client takes home.
Three Steps. One Session.
Enter
Add your client's debts — balances, rates, minimums. APR or EAR adjusts based on the debt type you select, including 0% promotional periods and overdraft compounding.
Compare
See five repayment strategies side by side — Avalanche, Snowball, two hybrids, and Cash Flow Index — with months to clear, total interest, and a full payment schedule for each.
Present
Switch to presentation mode, walk your client through the plan on screen, then export a branded PDF and spreadsheet they take home.
Every UK Debt Type, Handled
Credit cards, overdrafts, store cards, personal loans, car finance, payday loans — enter them all in one place. Choose the debt type and the rate field adjusts — APR for credit cards and loans, EAR for overdrafts — so compounding is calculated correctly without you having to think about it. Add 0% promotional periods and the plan adjusts when the rate kicks in. One-time snowflake payments slot in too.
Five Strategies. Full Schedule.
Your client sees exactly how each strategy plays out — months to debt-free, total interest paid, and which approach suits their situation. Pick one, and the full month-by-month payment schedule appears below: every debt, every payment, every CLEARED milestone. The interest comparison chart makes the trade-offs obvious at a glance. No guesswork, no "trust me" — just the numbers.
Present the Plan, Not a Spreadsheet
Presentation mode strips the workspace down to a clean, client-facing view. Walk through payments, quick wins, freed cash, what-if scenarios, and the shock comparison — all from a frosted toolbar at the bottom of the screen. A session timer runs in the corner. Your client sees a professional plan. You stay in control of the conversation.
"What If I Pay More?"
The freed cash cascade shows your client exactly where money goes when a debt clears — rolling into the next one automatically. It's the snowball effect made visible. Then run what-if scenarios together. An extra £50 a month might save months and hundreds in interest. An extra £200 could cut the timeline dramatically. Let the numbers do the motivating — they're calculated live from your client's actual debts.
The Number That Changes Minds
Minimum payments only? The total interest could be tens of thousands more than following a structured plan. The shock comparison makes the cost of inaction impossible to ignore — your client sees the exact difference in pounds and months. The stacked area chart below shows every debt shrinking to zero month by month. Motivation they can see.
Follow-Up Sessions That Actually Track
Load a previous plan, enter updated balances, and the tool compares original vs current — per debt, with colour-coded progress bars. You'll see exactly what's been paid off, what's changed, and whether new debts have appeared. No more "so, where were we?" Your follow-ups pick up exactly where the last session left off.
A Report Worth Putting on the Fridge
One click generates a branded PDF your client takes home. Page one is the plan summary — debt-free date, this month's payments, and what-if scenarios in a clear, scannable layout. Pages two and three cover the full debt table and payment schedule. Your name appears on every report. Upgrade to Pro for your business name, or Practice for your logo and brand colours. All exports include the FCA educational disclaimer automatically.
Built for UK Coaching, Not Retrofitted
Most debt tools are American afterthoughts. DebtRiot is financial coaching software designed for the UK market — handling the details that matter to UK coaches.
Choose Your Plan
7-day free trial on every plan. Cancel anytime.
- ✓ 15 plans/month
- ✓ 2 devices
- ✓ All 5 strategies
- ✓ APR + EAR, 0% promos
- ✓ Presentation mode
- ✓ PDF + XLSX export
- ✓ Progress tracking
- ✓ What-if scenarios
- ✓ Save/load plans
- ✓ Coach name on reports
- — Business name on reports
- — Logo & brand colours
- ✓ 50 plans/month
- ✓ 3 devices
- ✓ All 5 strategies
- ✓ APR + EAR, 0% promos
- ✓ Presentation mode
- ✓ PDF + XLSX export
- ✓ Progress tracking
- ✓ What-if scenarios
- ✓ Save/load plans
- ✓ Coach name on reports
- ✓ Business name on reports
- — Logo & brand colours
- ✓ Unlimited plans
- ✓ 5 devices
- ✓ All 5 strategies
- ✓ APR + EAR, 0% promos
- ✓ Presentation mode
- ✓ PDF + XLSX export
- ✓ Progress tracking
- ✓ What-if scenarios
- ✓ Save/load plans
- ✓ Coach name on reports
- ✓ Business name on reports
- ✓ Logo & custom brand colours
All plans: 7-day free trial · Cancel anytime
FAQ
No. DebtRiot is an educational planning tool that helps coaches illustrate repayment scenarios. It does not provide regulated financial advice. Every PDF, spreadsheet, and on-screen output carries an FCA-compliant educational disclaimer automatically.
No. DebtRiot runs entirely in your browser — Chrome, Safari, Firefox, or Edge on any laptop, tablet, or desktop. There's no app to install, no software to update, and no client data stored on our servers.
Yes — that's exactly what it's designed for. Presentation mode gives you a clean, client-facing view with a session timer and tabbed navigation. Share your screen or turn your laptop around.
Credit cards, overdrafts, personal loans, car finance, store cards, and payday loans. Each debt can use APR or EAR (select overdraft as the type and the rate switches to EAR automatically), and you can add 0% promotional periods with remaining months.
On the Starter plan, your coach name appears on every report. Pro adds your business name. Practice adds your logo and custom brand colours to all PDF exports.
Load a previously saved plan, enter your client's updated balances, and the tool automatically compares the original plan against the current figures — per debt, with visual progress bars. New debts are flagged and included in the recalculation.
Yes. All plans are month-to-month with no lock-in contract. Annual plans can also be cancelled — you'll keep access until the end of your paid period.
No. All plan data stays in your browser. Plans are saved as JSON files on your own device. PDF and XLSX reports are generated client-side — nothing is uploaded, transmitted, or stored on our servers.