Free Financial Tools
Practical tools to help you take action. Generate letters, calculate budgets, and prepare for conversations with creditors — all free and private.
Most Popular
Hardship Letter Generator
Generate professional letters to creditors, councils, and landlords requesting payment plans, reduced payments, or interest freezes.
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Free
Emergency Budget Calculator
Map out your income and essential expenses to see your financial position clearly and identify possible adjustments.
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Free
Debt Priority Checker
Understand which debts are priority (rent, council tax, energy) and which are non-priority, with explanations of consequences.
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Free
Creditor Call Scripts
Prepare for phone calls with creditors, landlords, and councils. Get step-by-step scripts with responses for common scenarios.
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All tools provide general information and are not financial advice. Documents generated are templates that you may want to personalise before sending.