UK Debt Helper
A private, on-device triage tool to help you understand your budget, prioritise debts, and shortlist likely options (snowball, DMP, DRO, IVA, bankruptcy, token payments, affordability complaints). It does not replace regulated debt advice.
1) Your situation (quick, non-judgemental)
This tool focuses on England/Wales/NI options like DROs and IVAs.
Include wages, benefits, pension, maintenance.
Rent/mortgage, council tax, utilities, food, travel, childcare, etc.
If blank, we calculate spare = income − essentials.
Used for rough DRO eligibility checks.
Rough indicator only.
Stored only in your browser if you choose to save.
These adjust the guidance/checklist only.
2) Your debts (add as many as you like)
We mainly assume interest can be frozen in a DMP estimate.
Privacy: this tool runs on your device. Saving uses your browser's local storage.
3) What this suggests (not regulated advice)
Total debt (non-mortgage)
£0
Spare money for debts
£0 /mo
Priority debt flags
None
Rough DMP payoff (interest frozen)
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Shortlist
Next actions (practical)
If you're in immediate trouble with rent/mortgage, council tax, court fines, or disconnection threats, get urgent help.
Free UK debt advice: StepChange,
National Debtline,
Citizens Advice.