UK Debt Repayment Calculator 2025-2026
Updated with Financial Conduct Authority (FCA) 2025-2026 regulations
New: Consumer Duty Regulations & Breathing Space extensions
Select Your UK Region
Debt solutions and regulations vary across the UK. Select your region for accurate 2025-2026 advice.
Your Debts FCA 2025 Rules
Pay highest interest first
Pay smallest balance first
Your Repayment Plan 2025-2026
Monthly Breakdown
Enter your debts and click “Calculate Repayment Plan” to see your personalized repayment schedule.
England-Specific Debt Solutions 2025-2026
2025 Change: Faster digital processing (30 days vs. 45 days). New rules allow for temporary payment reductions during hardship without IVA failure.
2025 Increase: Debt threshold increased to £50,000 (was £30,000). Asset limit increased to £2,000 (was £1,000). Vehicle value limit: £2,000.
2025 Extension: Standard scheme remains 60 days. NEW: Vulnerable consumers (mental health crisis, domestic abuse) now get 75 days protection.
Mandatory from July 2025: Lenders must provide better support, offer affordable repayment plans, and cannot charge excessive fees to customers in financial difficulty.
⚠️ 2025-2026 Regulatory Updates: The Financial Conduct Authority (FCA) has implemented new Consumer Duty rules requiring lenders to provide better support to customers in financial difficulty. Always consult with a free debt advisor before making decisions.
Updated March 2025: All services remain free and government-backed.
Phone: 0800 138 1111 (Free from UK landlines & mobiles)
Webchat: stepchange.org (24/7 online advice)
New 2025: Digital assessment tool provides instant solution recommendations
Phone: 0808 808 4000 (Free)
WhatsApp Advice: 0800 138 1111
2025 Update: New specialist team for small business debt advice
England: 0800 144 8848 | Wales: 0800 702 2020
Scotland: 0800 028 1456 | NI: 0800 028 1881
2025: Expanded evening and weekend hours
Avoid companies charging for debt advice (illegal for personal debt). Never use 09, 087, or 084 numbers. Government services are always FREE.
UK Debt Repayment Calculator: Your 2025 Guide to Financial Freedom
What Is This Calculator and How Can It Help You?
Struggling with debt can feel overwhelming, but a UK Debt Repayment Calculator provides the clarity you need to take control. This powerful digital tool helps UK residents create personalized debt payoff strategies based on their unique financial situation, regional regulations, and the latest 2025-2026 financial rules.
Unlike basic spreadsheets, modern debt calculators account for regional variations in debt solutions across England, Scotland, Wales, and Northern Ireland. They incorporate updated thresholds like the new £50,000 Debt Relief Order limit and extended Breathing Space protections for vulnerable consumers. By inputting your debts, interest rates, and affordable payments, you receive a customized roadmap showing exactly when you’ll be debt-free and how much interest you’ll save.
How This UK Debt Repayment Calculator Actually Works
The UK Debt Repayment Calculator uses sophisticated algorithms to analyze your debt portfolio. You simply enter each debt’s balance, interest rate, and minimum payment. The tool then applies either the avalanche method (targeting high-interest debts first to save money) or the snowball method (paying smallest balances first for psychological wins).
What makes this UK Debt Repayment Calculator particularly valuable for UK residents is its integration of 2025 Financial Conduct Authority regulations. It alerts you when debts qualify for new Debt Relief Order thresholds (£50,000 limit) or when lenders should offer better support under Consumer Duty rules effective July 2025. The calculator even adjusts recommendations based on whether you live in England, Scotland, Wales, or Northern Ireland, as debt solutions vary significantly across UK regions.
Beyond Simple Math: Regional Solutions and Professional Guidance
A quality UK Debt Repayment Calculator does more than crunch numbers—it connects you with appropriate solutions. For Scottish residents, it might highlight Protected Trust Deeds. For those in Northern Ireland, it notes the new availability of Debt Relief Orders from April 2025. The calculator also provides direct links to free, government-backed debt advice services like StepChange (0800 138 1111) and National Debtline (0808 808 4000).
Most importantly, these tools emphasize that debt advice should always be free in the UK. They help you avoid scam companies while preparing you for conversations with legitimate advisors. By providing a clear snapshot of your financial situation, you can approach debt charities with confidence, already understanding your options and timelines.