Debt Plans Your Clients Act On
Build, compare, and present personalised repayment plans during client sessions - then hand your client a PDF they keep.
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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 a debt planning tool for professionals who are not FCA-regulated debt advisers - money coaches, financial wellbeing practitioners and frontline support staff among them. 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 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 what each one costs against a minimum-only baseline. The tool compares; your client chooses. Once they pick one, 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.
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 minimum-only 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 is the snowball effect made visible. Then run what-if scenarios together: add an amount, and the months and interest recalculate live from your client's actual debts. No estimates, no rules of thumb.
The Number That Changes Minds
Minimum payments only, or a structured plan? The comparison shows the exact difference in pounds and months, calculated from your client's own debts rather than an average. The stacked area chart below shows every balance 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 against current - per debt, with colour-coded progress bars. You will see exactly what has been paid off, what has changed, and whether new debts have appeared. Your follow-ups pick up where the last session left off.
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 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. Every export carries the educational disclaimer automatically, and a spreadsheet version comes with it.
Built for UK Debt, Not Retrofitted
Most debt tools are American afterthoughts. DebtRiot is built for the UK market - handling the details that matter here.
What DebtRiot Doesn't Do
The limits are the point. They are what keep an unregulated professional inside the perimeter.
- It doesn't recommend a strategyFive strategies are compared. None is picked, ranked or suggested. Your client decides.
- It doesn't negotiate with creditorsNo interest freezes, no arrangements, no Breathing Space, no insolvency. All regulated.
- It doesn't fix a negative budgetWhere there is no money left after essentials, no repayment order changes that.
- It doesn't make you a debt adviserWhere the picture indicates crisis, the tool routes out rather than carrying on.
- It isn't practice managementNo client acquisition, no CRM, no scheduling, no invoicing. A different kind of product.
- It isn't investment or wealth adviceDifferent profession, different permissions. DebtRiot stays on repayment planning.
Free regulated debt advice is available from StepChange, National Debtline, Citizens Advice and MoneyHelper.
What DebtRiot Doesn't Do
The limits are the point. They are what keep an unregulated professional inside the perimeter.
- It doesn't recommend a strategyFive strategies are compared. None is picked, ranked or suggested. Your client decides.
- It doesn't negotiate with creditorsNo interest freezes, no arrangements, no Breathing Space, no insolvency. All regulated.
- It doesn't fix a negative budgetWhere there is no money left after essentials, no repayment order changes that.
- It doesn't make you a debt adviserWhere the picture indicates crisis, the tool routes out rather than carrying on.
- It isn't practice managementNo client acquisition, no CRM, no scheduling, no invoicing. A different kind of product.
- It isn't investment or wealth adviceDifferent profession, different permissions. DebtRiot stays on repayment planning.
Free regulated debt advice is available from StepChange, National Debtline, Citizens Advice and MoneyHelper.
Choose Your Plan
7-day free trial on every plan. Cancel anytime.
DebtRiot for Professionals
One licence per seat. Everything included.
£29 per seat / month
- All five repayment strategies
- APR and EAR, 0% promotional periods
- Snowflake payments
- Unlimited plans
- Presentation mode
- PDF and spreadsheet export
- What-if scenarios
- Follow-up progress tracking
- Save and load plans as files you own
14-day free trial. Cancel anytime.
Set the number of seats at checkout - each seat gets its own access code, and you can download them all as a file. For larger teams, or to discuss a volume price and invoicing, get in touch. Councils, housing associations and employers have a separate product built for site-wide use.
FAQ
No. DebtRiot is an educational planning tool that helps professionals illustrate repayment scenarios. It does not provide regulated financial advice, and it does not recommend a strategy. Every PDF, spreadsheet and on-screen output carries an educational disclaimer automatically.
No. DebtRiot runs entirely in your browser - Chrome, Safari, Firefox or Edge on any laptop, tablet or desktop. There is no app to install, no software to update, and no client data stored on our servers.
Yes, that is exactly what it is 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.
Not today. Reports carry the DebtRiot name and your client's name. There is no business name, logo or colour customisation in this product. If white-labelled reports matter to your practice, tell us - it helps us decide what to build next.
Load a previously saved plan, enter your client's updated balances, and the tool compares the original plan against the current figures - per debt, with visual progress bars. New debts are flagged and included in the recalculation.
Yes. Monthly billing is month to month with no lock-in contract. Annual can be cancelled too, and you keep access until the end of the period you have paid for.
No. All plan data stays in your browser. Plans are saved as JSON files on your own device. PDF and spreadsheet reports are generated on your device - nothing is uploaded, transmitted or stored on our servers.