About DebtRiot

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

Why DebtRiot Exists

Debt coaches and organisations share one mission: helping people find a way out of debt.

DebtRiot exists to support that work.

One calculation engine. Correct UK interest logic. Five strategies compared simultaneously. Real dates, real numbers, real choices.

For coaches - run client sessions, compare strategies live, deliver branded plans.

For organisations - give tenants and employees anonymous access. No login. No data collected.

Built from real debt experience, for UK realities - the only platform designed for both the person in debt and the professional helping them.

Built for UK Realities

APR vs EAR
UK overdrafts often use EAR. DebtRiot supports both APR and EAR so your estimates stay realistic.
5 Payoff Strategies
Compare Snowball, Avalanche, Hybrid (both directions), and Cash Flow Index side-by-side.
0% Promo Support
Add promo rates and when they end. DebtRiot handles the switch to the standard rate automatically.
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 the browser. Income, debts, and personal details are processed locally - we can’t see your figures during normal use.

Here’s the process:

  1. 1 Enter a monthly budget — either income minus essential costs, or a known debt repayment amount directly.
  2. 2 Add each debt — balance, interest rate (APR or EAR), and minimum monthly payment. 0% promotional rates and end dates are supported.
  3. 3 Compare all five strategies simultaneously — Snowball, Avalanche, both Hybrids, and Cash Flow Index. Switch between them to see the difference in timeline and total interest.
  4. 4 Review the plan — debt-free date, month-by-month schedule, freed cash cascade, and what-if scenarios for extra payments.
Try the engine with sample data →
What DebtRiot is today

Two products. One calculation engine. All built to handle UK debt realities.

For Coaches
Coaches Platform
coaches.debtriot.co.uk

A professional session tool for UK debt coaches. Run client sessions, switch to presentation mode, generate branded PDF reports, and save plans between appointments. Built around how coaching sessions actually work.

See the coaches platform
For Organisations
Organisations Tool
app.debtriot.co.uk

Anonymous debt planning for housing associations, EAP providers, and employers. Tenants and employees get the full tool via a return code — no account, no personal data collected. Admin dashboard and CSV export included.

See how it works
HMRC Registered Sole Trader
Registered with HMRC as a sole trader operating in the UK.
Trademark Application Filed
Class 42 application filed for the DebtRiot name and service.
ICO Registered
Registration No. ZC115123. Registered data controller under UK GDPR.
Professionally Insured
Professional Indemnity insurance in place for UK software services.