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. Our debt assessment tools help you understand your position so you can evaluate options (try our debt assessment, IVA checker, or DMP calculator). To actively manage your money, use our budgeting tools like the budget balancer. We also offer credit tools to help you monitor progress (such as our credit score simulator, credit utilization calculator, and credit mix analyser), alongside document tools to handle communication (like the document generator and letter tracker).
These tools act as a complement to professional advice from free debt advice providers. Whether you are exploring formal debt solutions, reviewing IVA explained guides, or starting fresh at the credit rebuilders hub, our interactive suite supports your financial wellbeing. You can also review current economic data in our UK debt statistics overview.
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.