DebtTracker: Your Debt Journey

Take control of your debt - clearly, privately, and without the overwhelm. DebtTracker is built specifically for the UK, helping you track every type of debt in one place and follow a clear plan to becoming debt-free. Unlike most debt apps, which are designed around US loan types, DebtTracker understands the debts UK households actually deal with: credit cards, store cards, personal loans, car finance (both HP and PCP), Buy Now Pay Later, catalogue and mail order credit, payday loans, bank overdrafts, council tax debt, utility debt, and defaulted accounts. WHY DEBTTRACKER Most people dealing with multiple debts don't need another banking app demanding access to their accounts. DebtTracker works entirely from the numbers you enter yourself - no bank linking, no screen-scraping, no sharing your banking logins with a third party. You stay in control of what's tracked and when. KEY FEATURES Track every debt type that matters in the UK Add credit cards, loans, PCP and HP car finance, BNPL purchases, catalogue credit, payday loans, overdrafts, council tax arrears, utility debt, and more - each calculated using the right method for that type of credit, including FCA-compliant interest caps for payday loans and accurate PCP balloon payment handling. Choose a payoff strategy that fits you Follow the Snowball method (clear your smallest balances first for quick wins and momentum) or the Avalanche method (target your highest interest rate first to save the most money) - and switch between them any time to see how your payoff date changes. See your progress, visually Track total debt, interest paid, and how much closer you are to debt-free with clear, motivating charts - not spreadsheets. Plan one-off and recurring overpayments See exactly how extra payments - big or small - shorten your payoff timeline and reduce the total interest you'll pay. Your debt-free journey, mapped out DebtTracker shows you a realistic path to becoming debt-free, debt by debt, so progress feels achievable rather than abstract. Private by design All your data belongs to you. DebtTracker never asks for your banking credentials and never connects directly to your bank or credit accounts. WHO IT'S FOR Whether you're juggling a couple of credit cards or trying to get on top of car finance, BNPL purchases, and a council tax arrangement all at once, DebtTracker gives you one clear, UK-specific view of where you stand - and a realistic plan to get to zero. Note: DebtTracker is a planning and tracking tool for informational purposes. It does not provide financial advice. Figures shown are estimates - always check exact balances and terms with your lender or creditor. Start your debt-free journey today.