The current cost of living crisis, along with the lasting effects of the pandemic, means that more and more people are having problems with debt.

So, if you’re struggling with your finances, you’re certainly not alone. And there are steps you can take to resolve things. But you should take them now, as the earlier you get to grips with them, the easier they are to deal with.

One of the first things you can do to get your finances under control is to make use of some of the money tools and calculators now available online. These will help you quickly work out the figures you need for some of the most common money problems.


Recommended tools


We’d recommend using the tools from MoneyHelper, which is a free service provided by the government’s Money and Pensions Service. They can help you find impartial advisers, make savings and trim your budget to cut back on costs.

To find out what debt issues you need to deal with first and what extra support you may be entitled to use the Money Navigator.

If you want to speak to an experienced debt adviser about your situation, take a look at Where to get free debt advice.

Sort out your bills and payments in the right order and find out what to do if you’re struggling to pay with MoneyHelper’s Bill Prioritiser.

If you’re on Universal Credit, or think you may be claiming it in the future, use the Money Manager for Universal Credit claimants.

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