About DebtRiot
A private, safe space for people with debts to see their whole picture and plan their way out, built by someone who needed one.
Why DebtRiot exists
Professionals and organisations do the same work: supporting people with debt. Advice happens in appointments. Bills, letters and worries arrive on every other day of the month.
DebtRiot exists to support that work, on those days too. It is designed as a private, safe space where a person sees their whole picture, checks honestly whether a repayment plan can work, and reaches free debt advice in one tap. If a plan can work, they choose their own strategy and keep it on track, day by day, with a check-in every month.
Underneath it all: one calculation engine. Correct UK interest logic. Priority debts first. Five strategies compared side by side, none recommended. Projected dates from real numbers, and the choice stays with the person.
For professionals: run client sessions, compare strategies live, and hand your client a plan they keep and track between sessions.
For organisations: give the people you support anonymous access, with free help and an Exit this page button on every screen. No login, and no names, emails or financial figures collected.
Built from real debt experience, for UK realities, and designed for both the person in debt and the professional supporting them.
Built for UK realities
How it works
Everything runs in the browser. Exact income, spending and debt figures stay on the person's own device and are never sent to DebtRiot. Here is the journey:
- Money in, money out: income from every source, including income that varies, and spending in Standard Financial Statement categories. A ? beside every field explains what goes where.
- Every debt: balance, interest rate (APR or EAR), minimum payment and any 0% promotional period. Priority debts such as council tax, rent and energy are recognised and come first.
- An honest check: can a repayment plan work on these figures? If not, no plan is forced. Free debt advice comes first, with a Standard Financial Statement ready to take along.
- Five strategies, side by side: Snowball, Avalanche, both Hybrids and Cash Flow Index, with the estimated timeline and total interest for each. Nothing is pre-selected; the person chooses.
- The plan: projected debt-free date, month-by-month schedule, freed cash cascade, what-if scenarios, and the months ahead laid out before they arrive.
- Kept on track: every payment day by day, with the tightest day flagged, and a monthly check-in that rebalances the plan and gives a new finish date.
One product, built in modules on one calculation engine. Two ways in.
The whole journey for the people your organisation supports: councils, housing associations, EAP providers and employers. Their whole picture, an honest check on whether a plan can work, free help on every screen, a plan they choose, and day-by-day tracking with monthly check-ins. Access is anonymous through a return code, with no account and no names, emails or financial figures collected. Admin dashboard with anonymous counts, monthly reports and CSV included.
See how it worksA session tool for UK professionals who work through debts with a client, from money coaches to regulated debt advisers. Run client sessions, switch to presentation mode, export a PDF and spreadsheet, and save plans between appointments. Your client keeps the plan on their own device and tracks it day by day, with monthly check-ins.
See the professionals platform