My Debt Plan gives you a clear picture of everything you owe, a realistic plan to pay it off, and the tools to track every payment — from any device.
Enter each debt — name, total amount, category, interest rate, reference number and due date. Everything sorted by balance automatically.
Record each payment as you make it. Full history kept with dates. Progress bars update instantly. Every pound paid off is tracked.
Enter your weekly income and split it across essentials, debt, savings and personal spending. Your repayment order and payoff date are calculated automatically.
Weekly targets keep you accountable. Monthly charts show your debt reducing over time. Analytics give you the complete picture including net worth.
These are actual screenshots from the app — no mockups. What you see is exactly what you get.
Unlimited debts with category, interest rate, minimum payment, reference and due date. Sorted highest to lowest automatically.
Record individual payments with full dated history. Undo any entry. Mark debts as fully paid in one click.
Avalanche clears the highest balance first to minimise total cost. Snowball clears the smallest first to build momentum.
Split your income across essentials, debt, savings and personal spending. Weekly repayment plan and payoff date generated automatically.
Monthly payment charts, debt-over-time line graph, and a net worth tracker combining assets and savings against remaining debt.
Tick off each debt as you pay it each week. Adjust amounts if needed. Navigate between past and future weeks.
Create named savings goals alongside your debts. Set targets, deposit funds, and track progress toward each goal.
Log surprise expenses by category and see monthly totals. Understand how unplanned costs affect your repayment timeline.
Earn progress badges — first payment, 25% cleared, debt-free, and more. Automatic tracking as you make payments.
Financial stress is hard enough without a subscription on top of it. My Debt Plan is free to use in full — every feature, every user, with no time limit.
Passwords are never stored in plain text. Only a one-way bcrypt hash at cost factor 12 — computationally expensive to reverse.
Sessions use cryptographically signed tokens, not cookies. Every token is verified on every request and expires after 30 days.
Every database query uses parameterised prepared statements. SQL injection attacks are structurally prevented at the query level.
No Google Analytics, no ad networks, no third-party scripts. Your data stays on this server and nowhere else.
Ask questions, share strategies, and hear from others on the same path. The forum is built directly into the app — no separate account needed.
My Debt Plan is and always will be free. If it has helped you, a small donation keeps the server running for everyone who needs it.
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No credit card. No subscription. No data sold. Supported by optional donations.