Free calculators & tools
Practical tools to help you understand your numbers before you borrow or consolidate. No sign-up, no data stored.
Free tool
Borrowing Affordability Checklist
A structured checklist to run through before applying for any loan — to make sure you have considered the risks.
Free tool
Credit Score Improvement Plan
A personalised action plan to improve your UK credit score over 3–12 months.
Free tool
Debt Consolidation Worksheet
Comparing the total cost of your current debts against a consolidated loan to see whether consolidation saves money.
Free tool
Loan Repayment Calculator
Working out how much your monthly repayments will be for a given loan amount, APR and term.
Free tool
Simple Budget Planner
Understanding how much you have left after essential outgoings to safely commit to a loan repayment.