Debt feels shapeless — a weight you can't quite measure. Give it a structure and everything changes. List what you owe below and see two clear routes out, side by side, each with the exact date you'd be free.
Freedom from debt is worth aiming at — it returns you to open-handed living.
Romans 13:8 — Let no debt remain outstanding, except the continuing debt to love one another.
What you owe
Add each debt with its balance, interest rate (APR) and the minimum you must pay each month.
DebtBalanceRate (APR)Min / month
£
The Debt Freedom Calculator — your two routes out
Your debt-free date
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Total you owe£0
Total monthly payment£0
Saves most interest
Avalanche
Clear the highest interest rate first
Debt-free by
—
Total interest paid £0
First win soonest
Snowball
Clear the smallest balance first
Debt-free by
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Total interest paid £0
This is just the beginning
You've got a date now. The free live training shows you how to bring it closer - and why the debt was never a character flaw in the first place.
Free · online · live. Your numbers never leave your device.
Christian Finance Academy · The Debt Freedom Calculator is a guide to help you plan, not personal debt advice. If debt feels unmanageable, free help is available from StepChange and Christians Against Poverty (CAP).