Last checked: 24 September 2026
Deal with urgent priority commitments first
Some debts and arrears can have more serious consequences than ordinary unsecured credit. If you are behind on essential or priority commitments, get free independent advice rather than relying only on a calculator.
List every debt
For each debt note the balance, interest rate where known and required payment. This gives you a complete picture.
Test affordable extra payments
If your essentials and priority commitments are covered, use the planner to see what an additional repayment could change.
Useful official sources
Rules and guidance can change. Check the official source before acting.