Free Credit Card Debt
Calculator UK
Compare Snowball vs Avalanche payoff strategies and get a free, personalised debt repayment plan. See exactly when you'll be debt-free and how much interest you'll save.
Why Use Our Free Debt Calculator?
We believe every UK resident deserves free access to credit card debt payoff tools, without paying for the privilege. No fees, no credit check, no judgement.
100% Free Forever
No hidden costs, no premium tiers, no payment required. This tool is completely free to use.
Your Privacy Matters
We only store your email if you create an account. No full card numbers, no personal details, no selling data.
AI-Powered Strategies
Get personalised payoff plans using proven strategies like debt snowball and avalanche methods.
Non-Judgmental Support
We're here to help, not to judge. Take control of your finances at your own pace.
How Our Credit Card Debt Calculator Works
Three simple steps to your personalised Snowball or Avalanche payoff plan
Add Your Credit Cards
Enter your card balances, APRs, and minimum payments. We only need the last 4 digits for your reference.
Set Your Budget
Tell us your monthly income and essential outgoings so we can calculate how much you can put towards debt.
Get Your Plan
Receive a personalised payoff strategy with monthly actions and see exactly when you'll be debt-free.
Our Privacy Promise
We believe your financial data belongs to you. Here's exactly what we do and don't store:
What We Store
- • Email address (if you create an account)
- • Encrypted password hash
- • Your debt figures (you choose to enter)
- • Last 4 digits only (for your reference)
What We DON'T Store
- • Full card numbers
- • Your name or address
- • Bank account details
- • Any tracking cookies
We never sell or share your data. Your financial information is used solely for this tool and nothing else. You can delete your account and all data instantly at any time — no questions asked.
Need More Help?
You don't have to do this alone. These UK organisations offer free, confidential debt advice from trained professionals.
StepChange Debt Charity
0800 138 1111Free expert debt advice and solutions tailored to your situation
Mon-Fri 8am-8pm, Sat 8am-4pm
Visit WebsiteCitizens Advice
0800 144 8848Free, confidential advice on debt and money problems
Mon-Fri 9am-5pm
Visit WebsiteNational Debtline
0808 808 4000Free, independent debt advice for people in England, Wales and Scotland
Mon-Fri 9am-8pm
Visit WebsitePayPlan
0800 280 2816Free debt management and advice services
Mon-Fri 8am-8pm, Sat 9am-3pm
Visit WebsiteMoneyHelper
0800 138 7777Government-backed free money guidance and debt advice
Mon-Fri 8am-6pm
Visit WebsiteChristians Against Poverty
0800 328 0006Free debt help including home visits and support groups
Mon-Fri 9:30am-5pm
Visit WebsiteIf You're Struggling
Money worries can feel overwhelming. If you're finding things difficult, please reach out. You're not alone, and there is help available.
Samaritans: 116 123
Free, 24 hours a day, 7 days a week. Whatever you're going through, you can talk to them.
Frequently Asked Questions
Common questions about our free credit card debt calculator and payoff planning tool
Is creditcardhelp.uk really free?
Yes, creditcardhelp.uk is 100% free to use. There are no hidden costs, no premium tiers, and no payment required. Our credit card debt calculator and AI-powered payoff plans are completely free now and forever.
What is the difference between Snowball and Avalanche debt payoff methods?
The Debt Snowball method pays off your smallest balance first, giving you quick psychological wins to stay motivated. The Debt Avalanche method targets the highest interest rate first to minimise total interest paid. Our calculator compares both strategies side-by-side so you can choose the best approach for your situation.
Is my financial data safe and private?
Absolutely. We only store your email address and an encrypted password hash. We never store full card numbers, your name, address, or bank details. Your data is never sold or shared with anyone. You can delete all your data instantly at any time from your account settings.
How does the credit card debt calculator work?
Simply enter your credit card balances, APRs, and minimum payments, then set your monthly budget. Our calculator uses proven mathematical models to compare Snowball and Avalanche payoff strategies, showing you exactly when you'll be debt-free, how much interest you'll save, and a month-by-month payment schedule.
Do I need to enter my full card number?
No. We only ask for the last 4 digits of your card number for your own reference when viewing your dashboard. We never need or store full card numbers, sort codes, or bank account details.
Can I get professional debt advice?
creditcardhelp.uk is an informational tool, not regulated financial advice. For professional help, we recommend free UK debt charities: StepChange (0800 138 1111), Citizens Advice (0800 144 8848), or National Debtline (0808 808 4000).
Ready to Take Control?
Start your free debt payoff plan today. No credit card required, no hidden costs.
Get Started Free