Free, confidential, no-obligation — a two-minute, illustrative look at what you could afford, what stays protected, and roughly what freezing interest could save you.
Work out my options ↓Step 1 of 4 — Your assets (optional)
You don't need to sell your home, car, savings or pension to qualify for a Debt Arrangement Scheme — provided any secured borrowing, like a mortgage, keeps being paid in full. Tell us what applies to you below; it's for context only and won't change the figures further on.
Optional, for information only — this doesn't feed into the numbers below, but it's useful context if you go on to speak to an adviser.
Take-home pay and any other regular income, per month.
Secured payments like a mortgage aren't touched by a DAS — they're separate from the debt you're restructuring.
Non-priority debt only — credit cards, loans, overdrafts (not the mortgage or secured payments above).
Defaulted to the UK average credit card rate (24.66%, Dec 2025, via Bank of England-linked data) — drag to match your own if you know it.
Your figures stay in your browser and are never sent to us. We're only told the calculator was completed — not what you entered — unless you choose to get in touch.
Once approved, interest and charges stop building on qualifying unsecured debt.
A single monthly payment set around what you can actually afford — not what creditors demand.
Statutory protection from further creditor action once your DAS is in place.
No requirement to sell your home or other assets to qualify — secured debts simply continue as normal.