Question 1

Is this financial advice?

Accepted Answer

No. Everything here is educational information, organisational tooling and estimates based on the figures you enter. It is not personalised financial, legal, tax or regulated debt advice. For advice about your specific circumstances, speak to a qualified free debt-advice organisation in your country.

Question 2

Do I need to connect my bank account?

Accepted Answer

No, and you cannot. We deliberately do not request card numbers, bank account numbers or online banking logins. You enter balances yourself, using nicknames for each debt.

Question 3

Are the calculators accurate?

Accepted Answer

The maths uses whole cents rather than rounded decimals, so results do not drift over long payoff periods. That said, lenders differ in how they apply interest, fees and payment dates, so treat every result as a close estimate rather than a lender statement.

Question 4

What is the difference between snowball and avalanche?

Accepted Answer

Snowball pays the smallest balance first, which clears individual debts sooner and builds momentum. Avalanche pays the highest interest rate first, which usually costs less overall. Our calculator shows both so you can see the real trade-off in time and interest.

Question 5

Is the free version actually useful?

Accepted Answer

Yes. Every calculator is free and unlimited, and a free account saves your debts, logs payments and tracks your progress. Paid plans add deeper projections, planning tools and household features.

Question 6

What is included with the How I Cleared My Debts eBook?

Accepted Answer

The eBook is a one-off purchase of $27 USD covering the mindset, decisions and system behind the journey out of debt pressure. It is separate from membership, and you do not need it to use the tools.

Question 7

Can I cancel a membership at any time?

Accepted Answer

Yes. Monthly plans can be cancelled at any time and stay active until the end of the period you have paid for. Annual plans are billed once for twelve months at a 20% discount.

Question 8

Which currencies are supported?

Accepted Answer

You can display figures in 17 major currencies. Conversions are indicative estimates from reference rates for guidance only, not live exchange rates, and payments are processed in US dollars.

Question 9

Can other people see my debts?

Accepted Answer

No. Your figures are private to your account, protected by database-level access rules. Nothing is shared publicly unless you deliberately opt into a feature that asks for it, and even then you can use an anonymous display name.

Question 10

What if I am already in crisis with priority bills?

Accepted Answer

Please get free, regulated help first. Rent or mortgage arrears, council tax, energy debt, court action and enforcement all need proper advice, not a calculator. Use our tools alongside that support, not instead of it.

Frequently Asked Questions

If things are urgent right now