Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
DebtCleared is an online debt repayment planning tool for personal debt management in the UK. Its core goal is to let users enter their debts, set a monthly budget, and quickly get a projected debt-free date, repayment priority order, and interest savings estimates. The site emphasizes “Free forever” and “No credit check,” while clearly stating that it is not regulated debt advice and that users needing formal debt support should refer to StepChange.
Its product design is clearly built around UK debt structures, supporting eight types of debt: credit cards, personal loans, car finance, student loans, overdrafts, mortgages, BNPL, and store cards. Compared with a standard calculator, DebtCleared stands out for its multi-rate balance tracking: a single credit card can have both a 0% promotional balance and a standard purchase balance at the same time, with monthly tracking of when 0% offers expire. For repayment strategies, it can compare Avalanche, Snowball, and custom ordering side by side, showing the interest differences in pounds. Users can also set future budget changes to see how income changes or the end of certain bills affect the payoff date. The AI Coach, powered by Claude, can answer questions based on the debt information entered by the user.
The free plan costs £0/month, requires no card, and has no time limit. It includes eight debt types, multi-rate tracking, strategy comparison, variable budgets, timeline charts, and more. Pro costs £3.99/month or £31.99/year, adding cross-device sync, a weekly progress dashboard, unlimited AI coaching, PDF export, 0% expiry email reminders, and no ads. Household costs £5.99/month or £47.88/year and is designed for couples and families, with two accounts, a combined view, and joint repayment planning.
The advantages are that the free plan is highly usable, the localized debt model is detailed, the tool is easy to get started with, and the free plan emphasizes that data runs locally in the browser, reducing concerns about uploading sensitive financial information. The drawbacks are that the product is heavily dependent on UK debt rules, so it offers limited value for non-UK users; full sync, reminders, export, and long-term tracking require a paid plan; and the site does not disclose APIs, compliance certifications, enterprise permissions, or customer support SLAs. Its partner recommendations may include affiliate fees. Although it states that these are only shown when mathematically beneficial, users still need to verify eligibility and terms themselves.
It is suitable for UK individuals, couples, and families who want to plan repayment of credit cards, overdrafts, loans, BNPL, and similar debts on their own. It is not suitable for scenarios requiring regulated debt advice, enterprise-grade financial management, or developer integrations. Access from mainland China is not mentioned in the text, so its status is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on debtcleared.co.uk official site.
debtcleared.co.uk is an United Kingdom Finance provider. TG4G tracks its product information, an overall rating of 7.0/10, and a China-accessibility score of Workable. Click "Visit Official Site" to reach debtcleared.co.uk directly.