Important
Financial Disclaimer
Read this before acting on anything you see here.
How I Cleared My Debts provides educational information, organisational tools and estimates. It does not provide personalised financial, legal, tax or regulated debt advice. Results depend on the information you enter and may not reflect lender calculations. If you are struggling with priority bills, legal action or unaffordable repayments, contact a qualified free debt-advice organisation in your country.
Why results are estimates
- Lenders differ in how and when they apply interest, fees and charges.
- Promotional rates, defaults and arrears change the maths significantly.
- Payment dates, statement dates and part-months all affect the real total.
- Our figures follow the information you enter, which may be incomplete or out of date.
When to get proper advice first
- You are behind on rent, mortgage, energy, council tax or other priority bills.
- You have received a court claim, default notice or enforcement letter.
- You cannot cover minimum payments and essential living costs.
- You are considering an insolvency option or a formal debt arrangement.
- You are borrowing to make repayments on other borrowing.
If things are urgent right now
If you have missed rent, mortgage, energy, tax or court-ordered payments, are facing eviction or enforcement action, cannot afford food, or you are having thoughts of harming yourself, please speak to a person — not a calculator. Free, confidential and qualified debt advice exists in most countries, and using it does not harm your credit file.
See also our terms and country-by-country help directory.
