A free, private tool to track your debts, build a repayment plan and make steady progress — from any device.
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A simple, honest, free tool to help you take control of your finances — no subscriptions, no ads, no nonsense.
My Debt Plan is a free, private debt management platform built for real people dealing with real financial pressure. Whether you have one credit card or ten different loans, this tool helps you see the full picture, track exactly what you owe, and build a clear, realistic path to becoming debt-free.
There's no catch. No premium tier. No upsells. No ads. Just a clean, secure tool to help you organise your finances and make steady progress — one week at a time.
Pay highest-balance debt first. Mathematically optimal.
Pay smallest debt first for quick wins.
Add unlimited debts with name, amount, category, interest rate, reference, due date and notes.
Log payments, view full history, undo mistakes, mark as fully paid.
Live donut chart showing each debt as a % of total.
Monthly progress chart, debt-over-time line chart, net worth tracker.
Avalanche or Snowball — see your prioritised payoff order instantly.
Weekly payment checklist with progress tracking and week navigation.
Create savings goals with targets, deposit tracking and progress bars.
Log your assets for a complete net worth picture alongside your debts.
Track surprise expenses that affect your budget and see monthly totals.
Earn badges as you progress — first payment, 25% cleared, debt-free and more.
Live counter showing estimated days until you reach £0 based on your budget.
Toggle between dark and light themes, saved to your preferences.
Register with a username and password. Works across all your devices immediately.
Click + Add Debt and enter the name, amount, category, interest rate, reference number and due date.
Click 💳 Pay on any debt. Enter the amount, click Log. Full history is kept with dates.
Go to Budget tab. Enter your income, adjust sliders, click Generate My Plan.
Visit the Analytics tab to see monthly progress charts, net worth, and your debt-free countdown.
Use the Savings tab to create pots for goals (emergency fund, holiday, etc.) alongside your debts.
My Debt Plan costs nothing to use — that's intentional. Financial stress is hard enough without another subscription.
If this tool has helped you, even a small contribution keeps the server running for everyone.
Every donation helps keep the platform free for everyone.