About DebtRiot

A UK debt payoff calculator built by someone who needed one.

Why DebtRiot Exists

DebtRiot started as a spreadsheet on a laptop in the UK.

The person who built it was staring at credit card statements, overdraft fees, and loan balances - and couldn’t find a straight answer to one simple question:
“When will I actually be debt-free?”

Every calculator online was either:

  • built around US assumptions and terminology

  • focused on a single debt, not the real-life mix of cards, overdrafts, and loans

  • vague about what to actually pay each month - especially when minimum payments, promos, and overdrafts are involved

So they built a tool that would take real numbers and show a clear “if X, then Y” projection:

  • your debt-free date

  • how long each debt takes to clear

  • how different strategies change total interest and timeline

DebtRiot is not financial advice. It’s a calculator that runs scenarios using the numbers you enter - not someone else’s assumptions.

Built for UK Realities

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APR vs EAR
UK overdrafts often use EAR. DebtRiot supports both APR and EAR so your estimates stay realistic.
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5 Payoff Strategies
Compare Snowball, Avalanche, Hybrid (both directions), and Cash Flow Index side-by-side.
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0% Promo Support
Add promo rates and when they end. DebtRiot handles the switch to the standard rate automatically.
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Privacy-first
Calculations run locally in your browser. No accounts. Premium PDF generation only uses what's needed to create your file.

How the Calculator Works

The calculator runs in your browser. Your income, debts, and personal details are processed locally - we can’t see your figures during normal use.

Here’s the process:

  1. Enter your budget (Choose either):

    • enter income + essential costs (and an optional buffer), or

    • enter your monthly “budget for debts” directly if you already know it (and an optional buffer).

  2. Add your debts
    Enter balance, interest rate (APR or EAR), and minimum payment for each.

  3. Compare strategies
    Snowball, Avalanche, Hybrid (both directions), and Cash Flow Index side-by-side.

  4. Preview your plan for free
    See your estimated debt-free date and a short preview schedule.

  5. Unlock the full plan
    Get a professional modern PDF with full schedules, a calendar view, and what-if scenarios (one-time £9.99).

You can update your numbers and generate an updated plan any time. Your purchase includes a Recovery Code to unlock access again later (fair-use limits apply to prevent abuse).

Is DebtRiot Right for You?

DebtRiot is for you if:
  • You live in the UK
  • You have credit cards, loans, overdrafts, or store cards
  • You can cover essentials (rent, food, bills)
  • You can make at least minimum payments
  • You want a clear plan — not generic opinions
Get free help first if:
  • You can’t cover rent, food, or utilities
  • You’re missing minimum payments
  • Creditors are threatening legal action
  • You need urgent support with debt
A calculator can’t solve a crisis. Free, confidential UK support:
StepChange · National Debtline
Ready to see your debt-free date?

Enter your numbers, compare strategies, and preview your plan — completely free.

Try the Calculator
No account required. Your data stays on your device.

Let’s Talk About Finances

Got a question, idea, or feedback?

Drop us a message — we’re here to help.