Your next move
Start by listing what you owe
Add the creditors and balances you're aware of — even a partial list helps. We'll use them to map your full debt picture.
Add your first creditorYour progress
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Repayment options
Compare strategies and payment levels by interest saved and time to debt-free.
Add your debts to compare options
Once you've added creditors and balances, this table will show how each repayment strategy affects your timeline and total interest.
Add a debt Surplus simulator
Boost your monthly surplus to see how much faster you become debt-free.
Add your debts first to simulate how a higher surplus accelerates payoff.
Strategy Coach
A calm, step-by-step chat helping you capture your debts, income and expenses — then build a plan you can act on.
Say hello to get started.
Debtrupt gives practical guidance, not legal advice. If you're feeling overwhelmed, visit our support page or contact Samaritans on 116 123.