Your debts, in order, with a date they end

Debt feels shapeless — a weight you can't quite measure. Give it a structure and everything changes. List what you owe below and see two clear routes out, side by side, each with the exact date you'd be free.

Freedom from debt is worth aiming at — it returns you to open-handed living. Romans 13:8 — Let no debt remain outstanding, except the continuing debt to love one another.

What you owe

Add each debt with its balance, interest rate (APR) and the minimum you must pay each month.

DebtBalanceRate (APR)Min / month

Extra you can pay monthlyOn top of all the minimums

The Debt Freedom Calculator — your two routes out

Total you owe£0

Total monthly payment£0

Saves most interest

Avalanche

Clear the highest interest rate first

Debt-free by

—

Total interest paid £0

First win soonest

Snowball

Clear the smallest balance first

Debt-free by

—

Total interest paid £0

Christian Finance Academy · The Debt Freedom Calculator is a guide to help you plan, not personal debt advice. If debt feels unmanageable, free help is available from StepChange and Christians Against Poverty (CAP).