Disclaimer

1. Not Financial Advice

PlanMyDebt.com is an educational tool designed to help you understand the mathematics of debt repayment. We do not provide regulated financial advice, debt counselling, or formal debt solutions.

The calculators, articles, and guides on this website are for informational purposes only. They show you the mathematical outcome of different repayment strategies (such as the Avalanche or Snowball methods) based solely on the numbers you input.

Nothing on this website should be interpreted as a recommendation to take out a specific loan, use a specific financial product, or enter into a formal debt agreement. You should always conduct your own research and consider your personal financial circumstances before making any decisions.

2. Accuracy of Calculations

The results generated by our calculators are estimates. While we use standard mathematical formulas for amortisation and compound interest, your actual payoff dates and total interest paid may differ from our projections.

This can happen because:

• Some lenders calculate interest daily rather than monthly.
• Your interest rates may be variable and change over time.
• The exact day of the month your payment is processed can affect the interest calculation.
• Our calculators do not account for late payment fees, annual card fees, or promotional rate expiry dates unless you manually adjust your inputs.

Always check your actual balances, interest rates, and minimum payment requirements directly with your creditors.

3. Affiliate Disclosure

PlanMyDebt.com is a free service. To keep the site running, we may use affiliate links. This means that if you click on a link to a third-party product or service (such as a balance transfer credit card or a debt consolidation loan) and make a purchase or sign up, we may earn a commission at no additional cost to you.

We only link to products or services that we believe may be relevant and helpful to our users. However, the presence of an affiliate link does not constitute an endorsement or a guarantee of that product's suitability for your specific situation. Our editorial content and calculator outputs are never influenced by affiliate partnerships.

4. Where to Get Free, Regulated Debt Advice

If you are struggling to make your minimum payments, facing pressure from creditors, or feeling overwhelmed by your financial situation, a calculator is not enough. You need professional, regulated support.

In the UK, you can get free, confidential, and independent debt advice from the following organisations: