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Debt Calculator

Work out what you can afford to pay towards your debts

If you're struggling with debts and would like some advice, fill in the Debt Calculator below. Include as much information as possible to get an idea of how much you can afford to pay towards your debts each month. We will review your information and contact you to discuss all options available for your situation. We offer impartial, confidential, no obligation advice.

Step 1 - Your Monthly Income

Fill in the fields that are relevant to your monthly household income.

Step 2 - Your Monthly Expenses

Fill in the fields that are relevant to your monthly household expenses (excluding any debt repayments).

Your Disposable Income

This is how much you could be paying towards your debts each month (the money left over after you have paid all living costs / expenses). Do not worry if this is a negative figure. We still may be able to help and advise you on your options.

Step 3 - Tell us about your debts

Fill in as much information as you can about your debts. If you have more than 15 creditors you can let us know when we speak to you.

Step 4 - Your details

Please enter your contact details below, so we can advise you. We can provide advice over email / WhatsApp initially if you prefer.

What Debt Solutions are available in the UK?

There are a range of formal and informal debt solutions available in the UK for addressing unaffordable debts. When it comes to choosing the right one for you, it is best that you speak to a debt advisor who can asses your situation, then advise and provide information on all options. This means you can take the time to make an informed choice on how you would like to proceed. Below are some factsheets explaining a little bit more about some of the solutions available.

IVA Factsheet


An IVA (Individual Voluntary Arrangement) is a formal Insolvency solution where you repay what you can realistically afford towards your debts. Remaining debts could be written off on completion.

View IVA Factsheet
Bankruptcy Factsheet


Bankruptcy is a formal Insolvency solution. It is often viewed as a last resort solution, but can be the best option if you know you cannot repay any of your debts.

View Bankruptcy Factsheet
Debt Relief Order Factsheet


A DRO (Debt Relief Order) is a formal Insolvency solution that could help you if you cannot afford to pay your debts, have little or no assets and a low disposable income.

View DRO Factsheet
Debt Management Factsheet


A DMP (Debt Management Plan) is an informal solution, that could help if you are having difficulty managing monthly debt repayments and need to reduce the amount you pay.

View DMP Factsheet
Debt Consolidation Factsheet

Debt Consolidation

Debt Consolidation is a way of reorganising your debts by obtaining a loan to pay them off. Essentially, paying off debts with another form of credit.

View Consolidation Factsheet
Email Debt Advice

Email Debt Advice

If you would like to find out more about the options available, but are hesitant to chat about it over the phone, use our "Email Debt Advice Service" for initial conversation.

Get email advice

What do our clients think?

Below are some testimonials from clients that have used the Services of National Debt Relief. All reviews are collected on independent review site TrustPilot.