Free Financial Tools
Practical tools to help you take action. Generate letters, calculate budgets, and prepare for conversations with creditors — all free and private.
Hardship Letter Generator
Generate professional letters to creditors, councils, and landlords requesting payment plans, reduced payments, or interest freezes.
Emergency Budget Calculator
Map out your income and essential expenses to see your financial position clearly and identify possible adjustments.
Debt Priority Checker
Understand which debts are priority (rent, council tax, energy) and which are non-priority, with explanations of consequences.
Creditor Call Scripts
Prepare for phone calls with creditors, landlords, and councils. Get step-by-step scripts with responses for common scenarios.
Need Professional Creditor-Ready Documents?
Rebuild your financial position with print-ready A4 PDFs, complete 3-letter communication packs, and creditor-recognised Standard Financial Statement (SFS) spreadsheets.