Work backwards from a date
Pick the month you want to be clear. Zero Out Plan solves for the payment instead of guessing and hoping.
Don’t lose your plan. Right now your cards and loans live only in this browser — clearing your history, private browsing, a phone update or a new device can wipe them. A free account keeps everything safe: sign in anywhere and it’s all back, plus an optional monthly email to keep you on track.
Your debt at a glance
Everything you owe, one plan
Credit cards and loans added together — the number to build your budget around.
Finish everything by one dateOptional. Pick a date and every card and loan is planned to be cleared by then — the monthly payments update to match. Clear it to go back to each debt’s own date.
1Credit cards
Your credit cards 0
Pay off by a date, or clear a 0% offer before it ends. Saved on this device — or to your free account when you sign in.
Saved on this device
2Loans
Your loans 0
Car finance, personal loans, buy-now-pay-later. Fixed term, plus any overpayment and the early-repayment charge your lender may add.
Lenders may charge a fee for paying a loan off early.
Most personal loans carry an early-repayment charge — commonly 1–2% of what you still owe, sometimes more in the first year. Overpaying can also trigger one, and some lenders cap how much you can overpay each year without a penalty. Check your credit agreement; a settlement figure from your lender is the only number that counts.
3Your graphs
See it all, month by month
Every card and loan on one set of graphs. Switch to “separately” to see cards and loans on their own.
Show
Graph
What if that's too much? Credit cards
Enter what you can realistically put towards your cards each month and see when you'd actually be clear. Loans keep their fixed payments.
Add a card and a payment to see the difference.
4Focus
If you only pay the minimums, which card first?
Pay every card its minimum, then put spare money into one card at a time. This shows which one clears fastest and what that saves you — compared with paying the minimums everywhere and doing nothing extra.
Your spare money
On top of every minimum payment. Enter what you could genuinely spare.
Pay first
What to overpay, in order
Minimums go out to everything first. Then this order gets the extra.
Before you overpay.
Check your agreement for early-repayment charges, and keep paying at least the minimum on every other card so you don’t lose a 0% offer or get a late fee.
5Consolidate
Move it all onto one 0% card
A balance transfer can stop the interest dead — if the card limit is big enough and you clear it before the offer ends. This works out what to apply for and what to pay.
Tick the cards to move
Only your credit cards. Loans usually can't be moved onto a card.
This card
The 0% period and the fee the new provider charges to move the money.
months
%
%
Minimum each month is estimated at
2.5% of the balance
Worth knowing before you apply.
The card issuer decides your limit, not this calculator — and it's often lower than the sum you're moving. Some providers charge a higher fee for the transfer itself (£5–£30 flat) on top of the percentage. And if you don't clear the balance by the end of the 0% offer, the standard rate then applies to whatever's left, which some cards backdate to the start of the offer. Read the terms.
6Your plan, planned Free account
Timeline, groups & insights
Every card and loan on one timeline, your own groups to work out just the debts you choose, and advice on what to clear first and when — worked out on your device from your own numbers.
Timeline
When each debt reaches zero
Each bar runs from today to the month that debt is cleared on your plan. Green stripes are interest-free months; the orange diamond is a 0% deadline.
Free with an optional account
- Timeline chart — see every debt’s finish line at a glance
- Monthly budget — your pay, outgoings and debt plan side by side, and what’s left
- Payday planner — how many paydays until you’re debt-free, and what to put aside from each
- Groups — bundle cards and loans and work out just those
- Insights — what to pay first, in what order, and how to pay less interest
- Saved to your profile — not just this browser, on any device
- Monthly email — progress updates and reminders, if you want them
The calculators above stay free without signing up. We never look at, sell or pass on anything saved to your profile.
7Budget Free account
Your budget vs your wage
Your take-home pay, your bills and your debt plan side by side — so you can see exactly what’s left each month.
Questions
Good to know
Do I need an account?
No — sign-up is optional. The calculators work without one and is saved in your browser. But browsers can wipe that data — clearing history, private mode, storage clean-ups or switching phone. A free account (email + a password of 10 or more characters) stores your cards and loans securely on our server, so they’re waiting whenever you sign in. You can delete your account and every saved figure at any time from the Account panel.
How is the monthly payment calculated?
For a standard card we use the amortisation formula, then simulate each month with interest rounded to the penny and the payment rounded up, so the figure you see is the one that actually clears the balance. For a 0% card we assume you pay the same amount every month from today until your chosen end date — a fixed payment across the whole term, not a jump in the month the rate changes.
What happens when the 0% period ends?
Tick “keep paying after the 0% ends” and add the rate that applies afterwards. We split the plan into two phases: the interest-free stretch, then the interest-bearing stretch, and work out one steady payment that covers both. If you clear the balance before the promo ends, the second phase disappears entirely.
Is any of this saved or sent anywhere?
Without an account, everything stays in your browser on your own device. With the optional account, your cards and loans are stored securely on our server so they’re there when you sign back in. Either way: we never look at, sell or pass on anything saved to your profile. Insights, graphs and the Excel and PDF exports are all worked out in your browser.
Are the results exact?
They're a close estimate. Real lenders use their own day-count rules, minimum payments, fees and sometimes backdated interest if a promo is missed. Treat the number as a target and pay a little more for safety.