Tools
Your one-stop debt toolkit. Stack strategies, analyse spending, and take action — all in one place.
THE ENGINE
Debt Strategy Engine
Stack up to 5 strategies and watch your freedom date pull forward
Your Debt Snapshot
Enter your numbers — the cards below react instantly
Interest Burner
Switch to 0% transfer
£5,219
Interest Saved at 0%
45 months faster
Payoff speed
Windfall Wizard
Drop a £500 lump sum
£1,651
Interest Destroyed
18 months sooner
Debt-free
Lifestyle Striker
£106/mo redirected to debt
1704
Days Reclaimed
£3,636
Interest saved
Overpayment Squeezer
Add £100/mo extra
56
Months Shaved
£3,574
Interest saved
Subscription Sniper
Cancel subs to redirect to debt
0
Days Reclaimed
£0
Interest saved
Your Debt-Free Timeline
Toggle strategies above to see your accelerated timeline
Without Strategies
Apr 2033
86 months from now
Total Interest
£5,219
With Active Strategies
—
No strategies toggled on
Total Interest
—
Freedom Summary
Toggle strategies above to build your plan
The Bank's Plan
2033
Debt-free by Apr 2033
Total Interest
£5,219
Time in Debt
86 months
The DaysBack Plan
—
No strategies toggled on
Total Interest
—
Time in Debt
—
THE LAB
Analysis
Understand your spending — parse statements and identify priority debts
THE ACTION KIT
Action Kit
Letters, scripts, and tools to fight back against creditors
MAJOR DEBT
Mortgage Freedom Engine
See exactly how overpayments slash your mortgage term & interest
All calculations use compound interest simulation • Results are estimates