Debt-Free Planner

Know your debt-free date, and the fastest way to get there.

The Debt-Free Planner turns your debts into a plan you can follow. See your Debt Health Score, compare avalanche and snowball, and track every payment. Your plan is saved to your account, so you pick up where you left off.

Debt Health Score
Debt health score of 65 out of 100 with a four-part breakdown
Your debt-free plan
Debt-free date with a chart of debt falling over time
£17

One-off payment · Works on your phone, tablet and computer

What's inside
  • Debt Health Score, out of 100
    One score built from your debt load, interest cost, time to clear and safety cushion, with the four parts shown.
  • Your debt-free date
    See the month you could be debt-free, and how much sooner if you pay a little more.
  • Avalanche vs snowball
    Compare paying the highest-interest debt first with clearing the smallest balance first, side by side.
  • Record payments and track progress
    Log what you pay and watch your date move closer.
  • Saved to your account
    Log in with your email on any device and carry on from where you left off. No password to remember.
How it works
1
Get access
Complete your order below using the email address you want to log in with.
2
Check your email
You'll get a link to the Planner at app.fintoolshub.com.
3
Log in and add your debts
Enter your email, type in the 6-digit code we send, then add your debts. Your plan appears straight away.
Questions
Do I need to create a password?

No. You log in with your email and a one-time 6-digit code each time. Use the same email you bought with.

Will it work on my phone?

Yes. It's built for phones first, with a tab bar at the bottom of the screen, and it also works on a tablet or computer. On your phone you can add it to your home screen so it opens like an app.

Will I lose my progress if I log out?

No. Your debts, payments and settings are saved to your account. Log in on any device and you'll see them again.

Is my information private?

Your debts are saved to your own account and are only visible to you when you are logged in.

Is this financial advice?

No. The Planner is a tool for information only. Dates are estimates and assume fixed rates, no new borrowing and every payment made on time.

What if I only have one debt?

It still works. You'll see your date, your score and how extra payments change things. Avalanche and snowball only differ when you have more than one debt.

Get the Planner

Ready to see your debt-free date?

Enter your details below. Use the email you want to log in with, because that's how the Planner knows it's you.