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i The advice on this page applies to anyone with personal debts taken out in the UK.

Have your finances improved? Use our improvement checker to find out!

If you’ve managed to reduce your spending or increase your income, that’s brilliant. 

If you were spending more than the amount you had coming into your household when we spoke to you, you’ll have what we call ‘a deficit budget’. This means we talked to you about trying to increase the amount of money coming into your household or reducing your spending. While doing this you’ve been making £1 payments to each of your creditors.

How the improvement checker works

The only information you need to use the checker is:

  • The amount you were in a deficit by. This will be on the budget we sent you. If you don’t have this anymore but you know roughly what the figure was, use an estimate.
  • What’s improved? Have you increased your income, reduced your spending, or both?
  • How much extra money do you have? Whether this money is coming in every day, every week or every month, put the figure in and our budget improvement calculator will work out the rest. 


Budget Improvement Checker

Please enter numbers only
How much is your deficit each month? £
What’s improved?
How much more money do you have coming in? £
How much money have you managed to save? £

Your new budget amount is


Want some extra ways to save money?

Visit the MoneyAware blog for hints and tips on how to make the most from your money.

Already have a debt solution?

Even if you have money available and you're on a debt solution, if you've improved your financial situation it's important to find out how this will affect you.

To find out more visit our clients section and select the solution that's relevant to you.  

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2017