Your Clear Picture
Put everything you owe in one place and see where you stand. It takes about five minutes.
What do you owe?
Add each debt: cards, loans, overdrafts, catalogues, Buy Now Pay Later, and any bills you're behind on, like council tax or energy. Rough figures are fine.
Don't know the interest rate? Check a recent statement, or leave it blank. Blank means no interest is included, so the dates shown may be earlier than in real life.
Your month (optional)
If you add these, your picture will also show what's left each month after essentials and debt payments. If your income changes month to month, use a typical month.
Here's your picture
These are your numbers, so you're in control of what happens next. They're based on what you entered and assume payments, rates and balances stay the same.
How your total balance changes over time
At the payments in the table below.
Debt by debt
Want to see what a different amount would do? Change any monthly payment here and the dates update. This doesn't change anything you've agreed with anyone.
Keep a copy of your picture
Nothing is saved when you close this page. Copy this summary into a note or email to yourself, or have it ready when you speak to an adviser.
Who can help
You don't have to work this out alone. Everything on this page is free unless it says otherwise. Having your clear picture ready will make any conversation quicker.
Have your credit agreements checked
Prowse Phillips Law is a law firm regulated by the Solicitors Regulation Authority (SRA number 621870). Its Credit Resolve service looks at whether consumer credit agreements, like cards and loans, can be legally challenged. It's a paid legal service, with monthly payment plans. It doesn't cover council tax or household bills.
Their service may not suit everyone and may affect your credit rating. Rebalance Debt Solutions introduces people to Prowse Phillips Law and may be paid if you go on to use their service. The free services below are always available to you.
This opens your email app with the details you've entered here, ready to send to Rebalance. Nothing is sent until you press send. We'll pass your details to Prowse Phillips Law, who'll contact you.
Rather not fill in another form?
Free debt advice for all your debts
These services can look at everything together and talk through your options with you.
National Debtline
Free debt advice by phone and webchat, plus sample letters you can use.
Citizens Advice
Free advice on debt, benefits, housing and energy, online, by phone or in person.
MoneyHelper
Government-backed. Use its debt advice locator to find free help near you, including face to face.
Help with other types of debt
More ways to ease the pressure
Turn2us benefits calculator
Check what benefits and grants you could get. Many people are missing out without knowing.
turn2us.org.ukBreathing Space
A government scheme in England and Wales that can pause most interest, charges and enforcement for up to 60 days. You apply through a debt adviser, such as the free services above.
gov.ukMental Health & Money Advice
Free help if money worries and your mental health are affecting each other.
mentalhealthandmoneyadvice.orgThis page gives general information, not advice about your situation. A free adviser can tell you what applies to you.
Template letters
National Debtline publishes free sample letters for common situations, like asking a creditor for more time or explaining a change in your circumstances. You can adapt and send them yourself.