Clear Balance - Debt Planner

A Clearer, Calmer Debt Planner & Tracker

Take a clearer, calmer approach to organising your debts. Clear Balance is a privacy-first debt payoff planner and tracker designed for UK residents.

Keep your debts and payments organised, compare debt repayment strategies and explore what different payoff scenarios could look like—all without connecting your bank account.

Whether you are tracking credit cards, personal loans or other debts, Clear Balance gives you one straightforward place to understand your balances and monitor your repayment progress.

💡 Plan Your Debt Repayment:

Compare two widely used payoff strategies and choose the approach that best reflects your priorities:

• Debt Snowball – focus on the debt with the smallest balance first
• Debt Avalanche – focus on the debt with the highest interest rate first

Clear Balance calculates an estimated repayment schedule using the balances, interest rates and payments you enter. Compare the potential effect of each strategy on your estimated debt-free date and overall interest costs.

📊 Track Debts and Payments:

Use Clear Balance to organise debts and monitor repayments in one private space.

• Add and organise multiple debts
• Record regular and additional payments
• Monitor outstanding balances
• Follow your repayment progress
• View an estimated debt-free date
• Review estimated interest costs
• Update your plan as balances change

Clear Balance adjusts as you record payments, helping you maintain a current view of your repayment journey.

🚀 Explore Extra-Payment Scenarios:

The built-in debt payoff calculator lets you test how additional payments could affect your plan. Enter different amounts and review the possible impact on your repayment schedule, estimated payoff date and potential interest savings.

These projections are estimates based on the information entered and may differ from calculations made by your lender.

💷 Create a Simple Monthly Budget:

Record your monthly income and expenses to build a practical overview of your finances. The budget planner helps you understand what may remain after essential spending, so you can consider repayment amounts that suit your circumstances.

🔒 Private by Design — No Bank Connection:

Clear Balance does not require a bank connection. All debt and payment information is entered manually, giving you control over the financial details you choose to add.

There is no need to provide online banking credentials or allow access to your bank transactions.

🇬🇧 Plain-English UK Debt Guidance:

Access straightforward educational information created with UK users in mind. Learn about common debt terminology, Snowball and Avalanche repayment approaches and where to find additional support without unnecessary jargon.

✅ With Clear Balance, You Can:

• Organise credit card, loan and other debt balances
• Track debt payments and repayment progress
• Compare Snowball and Avalanche plans
• Explore estimated payoff dates
• Test additional-payment scenarios
• Create a straightforward monthly budget
• Access practical UK debt information
• Plan without linking a bank account

Clear Balance provides a private place to build and maintain a plan based on the information you choose to enter.

📲 Download Clear Balance:

Start organising your debts and exploring repayment options at your own pace.

⚠️ Important:

Clear Balance is an organisational and educational tool. It does not provide financial, debt or other regulated advice. Repayment dates, interest costs and potential savings are estimates, and actual results may vary. If you need advice tailored to your circumstances, consider contacting an appropriately authorised adviser or a recognised UK debt-support organisation.