Online Debt Analyser

Debt Advice Foundation's Personal Debt Analyser is a free, easy to use online debt advice tool that will tell you:

• how much you can reasonably afford to pay back each month
• how long it will take you to pay back your debts in full
• how to negotiate with your creditors

Best of all, all the calculations and letter writing are done for you. PDA will automatically open in Microsoft Office Excel. If you don’t have Excel, don’t worry, there is a free application (Open Office Calc) that does the same thing available here (opens a new window). Please note that colours and formatting may vary in Open Office and in older versions of Excel due to their standard colour palettes.

If you’re having any difficulty downloading Debt Advice Foundation's debt advice calculator, please email analyser@debtadvicefoundation.org.