No more guessing
Know exactly where you stand with your debt.
Free tools, a private community, and one-to-one support to help you take back control. Independent, straightforward, built for the UK.
“Very professional, friendly, knowledgeable and trustworthy. They genuinely care about helping people understand their options with debt.”
Andrew P. · Trustpilot review Read all 7 reviews on Trustpilot
See exactly where your money goes, in under 15 minutes.
The Budget Planner walks you through your income, home costs, everyday living, family, and debts one section at a time. It saves as you go and produces a creditor-ready Income & Expenditure statement you can send.
Where to start
Pick your starting point.
Free to start, paid options if you want more support. Every step is your call, every option is independent.
Do it yourself
Budget Planner
Seven-step tool that turns your numbers into a creditor-ready Standard Financial Statement. No signup, autosaves as you go.
Free · no signup
Start the plannerLearn at your pace
Free guides, articles & mindfulness
Practical guides, plain-English articles on the topics that matter, and honest pieces on the mental side of debt. All free, no signup.
Free · browse and read
Explore the libraryTalk it through
Community, Clarity Calls & Private Calls
Peer support in a private community from £15 a month, a one-to-one Clarity Call from £27.50, or a longer Private Call from £125.
From £15 / month · Calls from £27.50
Compare the optionsOr hand it over
Full Support.
Bespoke and quote-only. The Real Debt Guy takes on the correspondence, the letters, and the back-and-forth with creditors on your behalf. Only if it fits your situation.
Independent
Not tied to any lender, not FCA regulated, not paid on referral.
Anywhere in the UK
Post and email support wherever you live.
Contact us by post
PO BOX 480, Sevenoaks, TN13 9JY
Office hours
Mon-Fri 09:00-17:00
Sat 09:00-13:00
4.3 out of 5 · 7 reviews on Trustpilot
100% Excellent. Read what people are saying about The Real Debt Guy.
What The Real Debt Guy stands for
Real. Clear. Empathetic. Individualistic.
Real
Honest information backed by fact. No sugar-coating, no hidden agenda.
Clear
Simple and transparent. If it cannot be explained plainly, it gets rewritten.
Empathetic
Debt affects your mental wellbeing too. Both matter here.
Individualistic
A distinct voice and point of view. Independent, not owned by anyone else.