Taking control of your debt starts with knowing what you owe.
My Debt Plan is a free, private tool designed to help you track every debt, build a realistic repayment plan, and make steady progress — without stress.
How to get started
Start by adding your debts in the My Debts tab. Enter the name, total amount, interest rate and due date for each one. The app will sort them automatically and show you your debt-free countdown.
Build your repayment plan
Head to the Budget tab and enter your weekly take-home pay. Split it across essentials, debt, savings and personal spending. The app calculates your optimal repayment order and estimated payoff date automatically.
Track your progress
Use the Analytics tab to see charts of your debt reducing over time, your net worth growing, and your payment history month by month. Every pound paid off is tracked and celebrated.