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Here's your debt picture

Let's get this organised.

Welcome to Debtrupt

Two quick steps and you're away. Skip anytime with the × to the right.

0/2 done
Add your creditors

Names and contacts of everyone you owe money to.

Start
Add your debts

Balances, arrears and minimum payments.

Start
See your options
Emergency Help

Today's priorities

Top tasks to move you closer to your filing goal.

Urgent

Add your first creditor

Without your creditors we can't build a picture of what you owe.

Add a creditor

Today

Work out your monthly surplus

Determines which debt options are realistic for you.

Run the surplus calculator

Today

Log your assets

Flags what's protected if you go bankrupt.

Add an asset
Bankruptcy journey
Your six-stage path through the UK bankruptcy process, with completed milestones and what's left to do.
0 of 6 complete
  1. 1

    Assess

    Continue

    You mapped out your debts and creditors.

  2. 2

    Learn & plan

    Open

    You calculated your monthly surplus and reviewed your options.

  3. 3

    Prepare & file

    Open

    You started your bankruptcy filing.

  4. 4

    During

    Open

    Your bankruptcy application was submitted.

  5. 5

    After

    Open

    You were discharged from bankruptcy.

  6. 6

    IPA tracker

    Open

    Income payments after discharge are being tracked.

Track your progress over time — log your net worth and surplus on the surplus calculator to see debt cleared and savings build up here.

Net worth history
Tracks your total assets, total debt and net worth over time so you can see the impact of your asset management.

No net worth history yet. Snapshots are saved automatically as you manage your assets.

Asset & net worth projection
See how your net worth climbs as debts fall away — based on your current payments.
Total assets

£0

Current debt

£0

Net worth now

£0

Debt-free in

Now

Now1y£0£1£2£3£4Today

You're debt-free — your net worth equals your total asset value today.

Surplus history · last 6 months
Tracks your monthly surplus income so you can see whether you're building financial headroom over time.

No surplus history yet. Run the surplus calculator to start tracking your monthly surplus.

Debt reduction this month
% change in total debt between your two most recent net-worth snapshots.

Log two net-worth snapshots to see your month-over-month debt reduction. Manage assets

Let's get started

Answer a few questions and we'll organise your debts, income and options for you.

Start onboarding

You’re not alone.

Samaritans: 116 123 (free, 24/7). StepChange: 0800 138 1111. National Debtline: 0800 808 4000.

Debtrupt provides practical guidance, not legal advice. For formal advice, contact a regulated solicitor or a free debt charity such as StepChange (0800 138 1111), National Debtline (0800 808 4000), or Citizens Advice.