UK Debt Payoff Planner

List your debts, choose avalanche or snowball, and see a month-by-month plan with your debt-free date, the total interest, and how much you could save compared with paying only the minimums.

What's included:

• Up to 10 debts: credit cards, store cards, overdrafts, personal loans, car finance, buy now pay later, catalogues and more, with the balance, APR and minimum payment for each
• Avalanche (highest interest first) or snowball (smallest balance first), switchable with one drop-down
• Your debt-free date, and the month each debt is cleared, in the order to tackle them
• Total interest on your plan vs paying only the minimums, and how many months sooner you'll finish
• Month-by-month schedule: what you pay, interest added and what's left on every debt
• Payment log to record what you pay and your statement balances, with progress for each debt
• Built-in check that flags any minimum payment that doesn't cover the interest
• Free help signposted: StepChange, National Debtline, Citizens Advice, MoneyHelper and Citizens Advice Jersey, plus a note on dealing with priority debts first

Comes filled in with example debts so you can see it working straight away. A clear warning shows until you delete them.

Works in Google Sheets and Excel. No macros. Your figures stay on your own device or Drive.

A guide only, not financial advice. The planner estimates from the figures you type in; real interest and balances can differ. If you're struggling with debt, get free, independent advice from StepChange, National Debtline, Citizens Advice or MoneyHelper, or in Jersey, Citizens Advice Jersey.

Made in Jersey by Virtually Stored.