Know when you’ll be clear.
MyOwnPurse plans your way out of debt, shows your bills before payday, puts tax aside from irregular income and gets you saving. It’s free, and it never sells you credit.
A card at 24.9% and an overdraft at 39.9%, £3,000 between them.
Debt-free in 2 years and 5 months
Paying £50 a month more than the minimums saves £1,884 in interest and gets you there 3 years sooner.
Worked out by MyOwnPurse, highest rate first.
What it does
A way out of debt
Put in your cards, loans and overdrafts. See the date you could be clear, and what an extra £20 or £50 a month does to it.
Bills before payday
Your bills and income on a calendar, with the tightest day before your next payday marked, and the bill that causes it named.
Tax, put aside as you go
Earn by the session, the class or the shift? Choose a percentage and watch the pot build beside your own estimate of the bill.
Then, savings
A small buffer first, then an emergency fund, then the long term. One step at a time, each explained in plain words.
Our promise
- We never sell you credit
- No ads, no affiliate links, no loan or card offers. Not now, not later. Nobody pays us to put a product in front of you.
- Free with every Robin of Loxley app
- No separate subscription and nothing locked inside. If you use MyOwnSession, MyOwnEdu or MyOwnArc, it comes with it.
- Guidance, not advice
- MyOwnPurse does the sums and explains them. It never tells you which product or debt solution to choose. When the numbers look hard, it points you to free, independent advice.
- Your data stays yours
- Your money data is kept on its own, used for nothing else, and gone the moment you delete it.
Money worries are heavy, and nobody should be made to feel worse for having them. If things already feel unmanageable, free, independent help is here.