Record every active balance
Add current and original balance, APR, minimum payment, debt type, account and optional promotional-rate details.
UK debt payoff tracker
Choose the payoff order and see the debt-free date.
Add credit cards, loans, overdrafts and other balances, compare snowball, avalanche or a custom order, then see how extra monthly payments and lump sums change the time and interest.
One-time purchaseWorks offlineSnowball, avalanche and custom orderNo account
The actual light-mode dashboard, shown with the worked example.
A live payoff plan
See what the chosen strategy changes
The tracker recalculates the order, payment cascade, clearing date and interest whenever the strategy or extra payment changes.
Choose snowball, avalanche or custom
Target the smallest balance, the highest APR or a personally ordered list while freed payments roll to the next debt.
Test a higher monthly amount
Add one portfolio-wide extra payment and see the projected debt-free month and interest saved change.
Keep the payoff history
Log one payment or a monthly batch, preserve a per-debt ledger and mark balances paid off automatically.
Compare with minimums only
See the strategy balance fall against a second path where each debt receives only its minimum payment.
Test a windfall or 0% period
Estimate the effect of a lump sum and compare an eligible balance with a typical 0% balance-transfer period.
Every balance behind the plan
Keep payment history and current position together
The debts page keeps the figures used by the projection traceable and provides direct access to each payment ledger.
- Credit cards, loans, overdrafts, finance and other debt types
- Current and original balance
- APR and minimum monthly payment
- Active and paid-off filters
- Search, sorting and CSV export
Planning support, not debt advice
Keep high-risk details visible
The tracker can organise figures and show projected outcomes, but it does not replace regulated or free independent debt advice.
- High-APR warning and free UK debt-help signposts
- Default-notice remedy-date tracker where entered
- Debt Management Plan information where relevant
- Section 75 reminder for qualifying card purchases
- Promotional-rate ending dates
- Refinancing context framed as an estimate, not a recommendation
How it works
Download it once and open it in your browser
No installation, app store or account is required.
Add the debts
Enter balances, APRs, minimum payments and any promotional-rate dates.
Choose the payoff approach
Select snowball, avalanche or custom order and add any extra monthly amount.
Log payments and review progress
Update the balances through the payment ledger and follow the projected timeline.
Private by design
Your debts and payments stay on your device
The tracker runs locally in your browser. It has no account, cloud database or analytics, and it does not upload creditor, balance, APR or payment information.
It does not make payments or contact lenders. Export a JSON backup when you want to move or preserve the plan.
Frequently asked
Before you buy
Which computers and browsers does it work on?
It works on Windows, Mac and Linux computers in a modern version of Chrome, Edge, Safari or Firefox.
What is the difference between snowball and avalanche?
Snowball targets the smallest current balance first. Avalanche targets the highest APR first. Custom mode lets you choose the order yourself.
Does it make payments automatically?
No. Log payments after making them through your bank or lender.
Can I model extra payments?
Yes. Add a recurring extra monthly amount, test a one-off windfall and compare the updated debt-free date and projected interest.
Are the payoff dates guaranteed?
No. They depend on the balances, APRs, minimums and extra payments entered. Lender calculations, fees and rate changes can alter the result.
What is included in the download?
The single-file UK Debt Payoff Tracker app, a quick-start guide, and licence and support details. Etsy delivers the download after purchase.
See the payoff order, debt-free date and interest together
Buy the UK Debt Payoff Tracker on Etsy, download it once and use it without an account or subscription.
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