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A personal debt coach that builds a plan around your exact situation — your debts, your income, your goals. Free to start.
All tools are personalised to your profile and available 24/7.
Get a ranked payoff plan using the avalanche or snowball method with exact timelines for your debts.
Free foreverA fully personalised written plan with specific monthly actions, built around your profile.
Free foreverThe best balance transfer cards, consolidation loans, and credit unions matched to your profile.
Pro — £8.99/moA personalised action list of exactly what to do this month to raise your credit score faster.
Pro — £8.99/moProfessional letters requesting hardship freezes, reduced rates, or payment plans — written for you.
Pro — £8.99/moUpdate your progress and get a re-optimised plan — like having a coach on call.
Pro — £8.99/moA zero-based monthly budget built around your income and goals to maximise payoff speed.
Premium — £18.99/moShould you pay debt or save? We run the numbers on your exact situation.
Premium — £18.99/moAll debt relief options explained in plain English, personalised to your situation.
Premium — £18.99/moSign up free in seconds — no credit card needed.
Answer a few quick questions about your situation.
A ranked, specific action plan built just for you — instantly.
Watch your debt shrink and your freedom date get closer.
"I had no idea where to start with £14k of credit card debt. Within minutes I had a clear month-by-month plan. Two years on and I'm nearly debt-free."
"The creditor letter tool got my interest frozen on two cards. That alone saved me more than a year of Pro membership. Brilliant."
"Finally something that explains my options without the jargon or the sales pitch. It felt like it actually understood my situation."
Yes — creating an account and using our core tools including the debt calculator and a personal debt plan is completely free. Pro (£8.99/mo) and Premium (£18.99/mo) unlock unlimited tools and advanced features.
Absolutely. Your financial details are processed securely and never sold to third parties. We use bank-level encryption and you can delete your data at any time.
No. DebtFree provides general financial guidance and educational tools only. We are not FCA-regulated. For complex situations we recommend StepChange or Citizens Advice — both free.
When you sign up, we ask about your debts, income, and goals. Every tool then uses this profile to give you guidance tailored to your exact situation — no generic advice.
Yes, cancel Pro or Premium anytime with no fees. You'll keep access until the end of your billing period.
No call-backs, no waiting. Cancel anytime.
Here's your personalised debt overview.
By following your recommended plan vs minimum payments
Your personalised elimination plan
Map your fastest route to zero
Raise your score faster
Request freezes & better terms
Free up money for debt
Know the smartest move
Personalised to your profile.
Guidance only — not regulated financial advice.
Guidance only — not regulated financial advice.
Review before sending. Guidance only.
Guidance only — not regulated financial advice.
Guidance only — not regulated financial advice.
Add your debts and find your fastest route to zero.
| # | Debt | Balance | APR | Priority | Est. payoff |
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We're committed to helping people become debt-free. Whether you have a question about our tools or need support, we're here.
Within 24 hours, Monday to Friday
Contact StepChange or National Debtline for free regulated advice
Last updated: June 2025
DebtFree operates mydebtfree.org. This policy explains how we handle your information.
We collect information you provide when creating an account and building your profile — such as your name, email, and general debt situation. We do not store the detailed financial figures entered into our tools; these are processed in real time and immediately discarded.
We use essential cookies only to remember your consent preference and keep you logged in.
We use Anthropic's API to power our guidance tools. No personally identifiable data is shared beyond the text you submit. We never sell your data.
Under UK GDPR you can access, correct, or delete your data anytime. Email hello@mydebtfree.org.
Last updated: June 2025
By using mydebtfree.org you agree to these terms.
DebtFree provides general financial guidance tools for educational purposes only. We are not FCA-regulated. Nothing here constitutes regulated financial advice.
We provide our tools in good faith but cannot guarantee accuracy or suitability. We are not liable for financial decisions made based on our tools.
Pro and Premium are billed monthly. Cancel anytime; you retain access until your billing period ends.
You agree not to misuse our tools or use our services unlawfully.
Governed by the laws of England and Wales.
hello@mydebtfree.org