See your debt clearly.
Bring your balances together in one place to get a clear picture of where you stand.
Many people have debt spread across several accounts.
This calculator helps you gather the numbers before exploring your next step.
Why this matters.
If your debt is spread across multiple credit cards or loans, it can be difficult to know exactly where you stand.
You might:
- Know roughly what you owe, but not the exact amount.
- Avoid checking balances because it feels overwhelming.
- Focus on individual repayments without seeing the bigger picture.
- Feel uncertain about whether you’re making progress.
Understanding your total debt doesn’t solve everything, but it gives you a clear starting point.
Clarity comes before action.
When all of your balances are in one place, decisions become simpler because you’re working from a complete picture.
Choose the approach that works best for you.
Both options lead to the same outcome: understanding your total debt in one place.
Use a worksheet or notebook
A simple option if you prefer writing things down yourself.
You’ll:
- List each credit card and debt balance
- Record the amount owing
- Add them together to calculate your total debt
Use the interactive activity
A step-by-step experience that helps you gather your balances and calculate your total debt.
You’ll:
- Enter each credit card and debt balance
- See your total debt calculated automatically
- Finish with a clear picture of where you stand
Before you begin.
Gather:
- Recent credit card or debt statements, or
- Access to your online banking, or
- Any notes you already have about your balances.
You don’t need to be perfectly organised.
Even an estimate can help you get started.
A final thought.
Seeing your total debt for the first time can bring up a range of emotions.
Remember, this exercise isn’t about judgement. It’s about understanding your current situation so you can make informed decisions about what happens next.
Whatever the number is, clarity is a positive step forward.
Where to next?
Use your total debt figure to explore the next stage of your journey.
Option 1: Understand why debt can feel hard to manage.
Learn about the patterns that often make debt feel overwhelming.
Option 2: Explore ways to reduce debt over time.
Discover practical approaches that can help you make progress.