Debt doesn't define you.
Your next step does.
Free, private tools built for people in the UK who are struggling with money. No account. No judgment. Just practical help — right now.
2,000+
People Helped
36+
Support Guides
16
UK Benefits Checked
100%
Free & Private
More tools to help you take action
All tools are free to use. No account required. Your data stays private.
Benefits & Support Finder
Check which UK benefits, grants, and support programmes you may be eligible for based on your circumstances.
Hardship Letter Generator
Generate professional letters to creditors, councils, and landlords requesting payment plans or reduced payments.
Emergency Budget Calculator
Map out your income and essential expenses to see your financial position clearly.
Debt Priority Checker
Understand which debts are priority (rent, council tax, energy) vs non-priority, with consequences explained.
Creditor Call Scripts
Step-by-step phone scripts for conversations with creditors, councils, and landlords.
Educational Guides
Plain-English explanations of what happens with missed payments, debt collectors, and your rights.
Recovery Action Plan
A personalised checklist of steps based on your Survival Check results. Track your progress as you take action.
Local Help Finder
Enter your postcode to find Citizens Advice, food banks, council support, and welfare assistance near you.
Recovery Stories
Read how real people in the UK found a way through financial difficulty. You're not alone in this.
Built on trust
Information sourced from official UK government and regulatory bodies
GOV.UK
Official government guidance
FCA
Financial Conduct Authority
StepChange
Debt charity partner
Citizens Advice
Advisory signposting
Private & Secure
Your financial information stays on your device. We don't sell data or share it with third parties.
Non-Judgmental
Everyone's situation is different. We provide information without assumptions or blame.
Completely Free
All core tools are free. No hidden fees, no premium gates on essential information.
Need to talk to someone?
If you're feeling overwhelmed, these organisations offer free, confidential support.
StepChange
0800 138 1111
Free debt advice
Citizens Advice
0800 144 8848
General advice
Samaritans
116 123
Free, 24/7 support