We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
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Debt calculators and other useful tools

We’re here to help with a range of debt calculators, tools and guides - all available online so you can get the support and advice you need, when you need it.

It can be difficult taking the first steps to getting debt help, whether your debts are already getting out of control or you’re worried about falling behind with important payments. Take the first step today.

More online debt calculators and tools

Get quick answers and insights to help you make a start with dealing your money worries in minutes.

Before going ahead with any debt solution, we strongly recommend you get comprehensive and impartial advice.

 Is debt consolidation right for you?

Find out if this a way for you to pay off your debts

Use the debt consolidation calculator

 Are you missing out on benefits?

Make sure you’re getting all the benefits you’re entitled to

Use the benefits calculator

 How close are you to a debt problem?

Find out what help you need right now in 60 seconds

Take the 60-second debt test

 Want to release equity?

Find out how much equity you have in your home

Use the equity release calculator

Our money and debt guides

We've got all the answers to all your debt and money questions. Search our debt guides.

Need urgent help?

We've put together guides on what to do if you're struggling to pay for essentials like money and heating.

Read our emergency help guides

Need to make a budget?

Your creditors may ask you to share details of your finances to show how much you can afford to pay.

Use our 'Income and Expenditure' form

Use our letter templates to tell a creditor a debt is statute-barred, ask them to stop calling you, and more.

Use our library of forms and guidance notes to respond to letters from the County Court.

Tim on Feefo says:

"Easy simple solution.

StepChange has easy tools so you can budget well and easily. Helps get you on a plan suitable and manageable for you / family. Clear easy simple advice and can be done all online."

Get help like Tim

Get money advice straight into your inbox

Our 7 Days, 7 Ways email programme can help you take control of your finances again. Over 12,000 people have completed the programme

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Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Giving hope in the worst times."

"The help and support provided by StepChange has lifted me from the feeling of total despair to one of hope. The online tools make dealing with debt management less stressful."

Simon, Feefo Review