Disclaimer

Purpose and Scope

Detter is a free, educational debt repayment calculator designed to help UK residents understand potential debt repayment scenarios. It provides estimates based on the information you provide and standard mathematical calculations.

No Financial Advice

This calculator and its results:

• Do not constitute financial, investment, or debt management advice
• Are not personalised recommendations for your specific situation
• Should not be relied upon as the sole basis for financial decisions
• Cannot replace professional financial guidance

Accuracy and Limitations

Estimates Only

All calculations are estimates based on:

• Information you provide
• Standard mathematical formulas
• Typical UK market rates (where applicable)
• Simplified repayment scenarios

What We Don't Account For

The calculator does not consider:

• Changes in interest rates over time
• Late payment fees or penalties
• Changes in your financial circumstances
• Specific lender terms and conditions
• Tax implications of debt strategies
• Impact on credit scores
• Insurance, PPI, or other product charges
• Regulatory changes affecting your debts

User Responsibility

By using Detter, you acknowledge that:

• You are responsible for the accuracy of information you input
• You understand results are estimates, not guarantees
• You will verify calculations independently before making decisions
• You will consult qualified professionals for personalised advice
• You use this tool entirely at your own risk

Professional Advice Recommended

For personalised financial guidance, consider consulting:

• Independent Financial Advisers (IFAs) - for comprehensive financial planning
• Citizens Advice - for free debt advice and support
• StepChange Debt Charity - for specialist debt guidance
• National Debtline - for free, confidential debt advice
• Money and Pensions Service - for government-backed financial guidance

No Liability

We provide this calculator "as is" without warranty of any kind. We are not liable for any decisions made based on its results, any errors in calculations, or any consequences arising from your use of this tool.

UK Market Rates

Default APR rates used in this calculator are based on typical UK market averages at the time of development. Actual rates offered by lenders may vary significantly based on your credit rating, loan amount, term, and individual circumstances.

Regular Reviews

Financial circumstances change. Regularly review your debt situation and repayment strategy, preferably with qualified advice, to ensure it remains appropriate for your needs.

Emergency Debt Support