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5 clear steps to start getting out of debt this week. Written for real people, not finance experts.
Download FreeA printable three-page budget you can fill in by hand. Or use the interactive version below.
Download PDF Use Online ↓A complete guide to the best free apps that automatically save and invest your money for you.
Download GuideStep by step guide to understanding and improving your credit score starting from any number.
Download GuideEverything below is free to access — click to get started instantly.
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Download the printable PDF version or use our interactive tool below.
Free Tool — On This Page
See exactly how long it takes to pay off your debt and how much you save with extra payments.
Free PDF Guide
International, UK & US apps reviewed clearly — Wally, YNAB, Plum, Acorns and more.
Free PDF Guide
Step by step from any starting score. Practical actions that start working within weeks.
Fill in your numbers — everything updates live. Aim for £0 remaining.
| Category | Notes | Amount |
|---|---|---|
| Income | ||
| Primary income | ||
| Secondary income | ||
| Total Income | 0.00 | |
| Housing & Bills | ||
| Rent / Mortgage | ||
| Council Tax | ||
| Gas & Electric | ||
| Water | ||
| Internet / Phone | ||
| Food | ||
| Groceries | ||
| Eating out / Takeaway | ||
| Transport | ||
| Travel / Fuel | ||
| Car Insurance | ||
| Debt Payments | ||
| Credit Card 1 | ||
| Credit Card 2 | ||
| Loan | ||
| Extra debt payment | ||
| Savings | ||
| Emergency fund | ||
| Personal | ||
| Subscriptions | ||
| Clothing | ||
| Fun money | ||
| Other | ||
| Total Expenses | 0.00 | |
See exactly how long it takes and how much you save by paying more than the minimum.