Free Online Debt Advice

Debt Advice Foundation's Personal Debt Analyser is a free, easy to use debt assessment tool that will help you to understand the full extent of your debt problem as well as provide practical advice on what to do next.

Based on the information you provide, Personal Debt Analyser will tell you:

  • how much you realistically have available to pay to your creditors each month after living costs and priority debts have been taken into account
  • how long it will take you to pay back your unsecured debts in full
  • how to negotiate with your unsecured creditors to reduce your repayments

Best of all, the calculations and letter writing are done for you.

Download Personal Debt Analyser


Personal Debt Analyser requires Microsoft Office Excel.  If you don’t have Excel, don’t worry, there is a free spreadsheet programme from Open Office (Calc) that does the same thing available here (opens a new window). Please note that colours and formatting may vary in Calc and in older versions of Excel.

If you’re having any difficulty downloading Personal Debt Analyser, please email