Free Debt & Credit Tools
Your complete suite of calculators, trackers, and AI-powered assistants to take control of your finances.
Managing your finances and rebuilding your credit can feel overwhelming, but having the right tools makes all the difference. We've developed a comprehensive suite of free, easy-to-use resources designed specifically for the UK. Whether you need to create a budget, simulate your credit score, or generate a formal letter to a creditor, our tools are here to help you every step of the way.
Budget & Planning
Budget Balancer
Create a detailed monthly budget, track spending, and analyze your finances with the 50/30/20 rule.
Debt Assessment
Get a free, AI-powered assessment of your financial situation and receive a personalized debt solution recommendation.
Credit Tools
Credit Utilization Calculator
Calculate your credit utilization ratio and learn how to manage it for a better credit score.
Credit Score Simulator
A "what-if" tool to see the potential impact of financial actions on your credit score.
Credit Goal Tracker
Set and monitor your long-term credit goals, from getting a car to buying a home.
Credit Mix Analyzer
Analyze your mix of credit types and understand how it affects your score.
Payment History Tracker
Visually track your payment due dates and history on a calendar to build a positive record.
Documents & Letters
Document Generator
Generate professional, FCA-compliant legal documents for your debt management needs with AI.
Letter Tracker
Track letters sent to creditors and log their responses in one organized place.
Comparison Tools
Product Comparison
Compare credit-building products side-by-side to make informed decisions.
Product Finder
Answer a few questions to get a personalized roadmap of recommended credit products.
AI Tools
AI Debt Coach
Ask our AI assistant any question about debt and credit to get instant, expert answers.
AI Budget Analyzer
Coming soon: Upload your bank statements for an instant, AI-powered budget analysis and savings plan.
Join 10,000+ users managing their finances better with our free tools.
Related Guides & Tools
Debt Solutions
IVA Hub
Everything you need to know about IVAs in the UK. Check eligibility, understand the process, and plan your recovery.
Credit Repair
Credit Rebuilding Hub
Your complete toolkit for repairing your credit score after a debt solution. Free tools, expert guides, and recovery plans.
Debt Advice
Debt Solutions Comparison
Understand the differences between IVAs, DMPs, DROs, and Bankruptcy to find the right path for you.