The DaysBack Story
A self-help strategy engine for UK residents who are done paying the bank more than they have to.
The Minimum Payment Trap
A £5,000 credit card balance at 19.9% APR. If you only make the minimum payment each month, that debt can take over 25 years to clear, costing you more than £8,000 in interest. That's more than the original debt itself, paid to a bank that never once told you there was a faster way.
Interest rates are deliberately obscured behind jargon. APR. Compound interest. Representative rates. The system is designed to keep you confused and paying. Most people have no idea how much of their hard-earned money is being siphoned away every single day because nobody shows them.
Professional debt strategies exist, but they're locked behind expensive financial advisers who charge hundreds of pounds per hour. The people who need help the most are the ones who can least afford it.
The Power of Visualisation
DaysBack doesn't force you into a single method. Whether you prefer the Avalanche Method (targeting the highest interest rate first) or the Snowball Method (clearing the smallest balance for momentum), our engine supports both. You choose the strategy that fits your psychology. We provide the numbers.
But numbers alone don't change behaviour. That's why every calculator in DaysBack translates abstract interest into something you can feel.
Metrics That Matter
🔥 Work Hours Stolen
Every pound of interest you pay represents time you spent working. Time that went straight to the bank. DaysBack converts your daily interest charge into the number of hours you worked for free. When you can see that your credit card costs you 45 minutes of work every single day, the urgency becomes visceral.
📅 The Freedom Date
Your Freedom Date is the day you make your last payment. Every extra pound you throw at your debt moves that date closer. DaysBack shows you exactly how many days each payment buys back. Repayment stops feeling like a sacrifice and starts feeling like a countdown to liberation.
Radical Transparency
The Beta
DaysBack is currently in Beta. Every calculator, every resource, and every feature is 100% free right now. No credit card required. No trial that expires. You get the full platform while we build it.
The Pro Model
Eventually, a Pro tier will launch to keep the lights on: advanced analytics, custom scenarios, and priority support. But the core calculators and strategy engine will always remain accessible.
The Self-Help Guarantee
It is entirely possible to use DaysBack to clear your debt and never pay us a penny.
That's not a loophole. It's the point. We built DaysBack to make ourselves unnecessary. If our free tools give you the clarity to destroy your debt on your own, we've done our job.
Built for the UK
DaysBack is built specifically for the UK market. We understand APR regulations, FCA guidelines, and the real-world products available on the high street. This isn't a generic American finance app with a pound sign bolted on.
Your data is private. We use encryption and never sell, share, or monetise your financial information. Your debt data belongs to you and nobody else.
Need Help Now?
DaysBack is a strategy engine, not a replacement for professional debt advice. If you're in crisis or struggling to make payments, please reach out to these trusted UK charities who provide free, confidential help: