Tools

Clear your debts in the smartest order

Add your debts and your monthly budget, and compare the two proven methods — snowball (smallest first) and avalanche (highest rate first).

Total you can pay each month

Across all these debts combined, including the minimums.

This is a guide, not financial advice. Cover any priority debts (rent, council tax, energy) first. If debt feels unmanageable, free help is available — see free debt help and which debt to clear first.