Cairn: Debt Payoff Plan

Cairn is the debt payoff planner built for how debt actually works in the UK, where a Klarna instalment, an overdraft, and a Plan 2 student loan are three completely different things, not one generic balance with an interest rate.

Add every debt once: credit cards, personal loans, overdrafts, Buy Now Pay Later instalments (Klarna, Clearpay, and similar), and student loans, and Cairn computes your debt-free date from the real terms of each one.

Free, always: unlimited debts, every UK debt type modelled correctly, monthly balance updates, your own choice of payoff order (smallest balance first, highest interest rate first, or your own order), and your computed debt-free date and progress.

Cairn never picks an order for you. You choose how your debts are worked through; Cairn shows you the maths for that choice.

Premium adds a what-if simulator for an extra payment or a windfall, two orders compared side by side in months and pounds, the next 90 days of instalments and charges, shared access for a partner or housemate via Family Sharing, a fresh forecast every month, and an archive of what you have paid off.

Student loans get handled properly: Plan 1, 2, 4, and 5 loans have a statutory write-off year and accrue interest differently to any other debt. Cairn shows both the write-off date and the interest accruing, and you decide whether to include it in your plan.

What it does not do: Cairn shows you the maths. It does not tell you what to do, and it never will. No recommended method, no default order, no financial advice. If you need free, regulated debt advice, contact MoneyHelper, StepChange, or National Debtline.