As of 13 August 2026, AI can only partly prioritise your debt repayments.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open your latest statements and gather the current balance, interest rate or charge, minimum payment, payment date, promotional-rate end date, arrears status and fees for each debt.
   2. Check your lender apps or statements for missed payments, default notices, secured borrowing, early-repayment charges and any rate changes, then add those facts to the debt list.
   3. Work out your reliable monthly income, essential spending, existing cash buffer and safe amount available above all minimum payments without borrowing again.
   4. Paste the completed figures and your priorities into the prompt, then ask the chatbot to identify missing information before producing the ranking.
   5. Compare the chatbot's debt table and arithmetic with your latest statements, and correct every balance, rate, minimum payment and payment date that does not match.
   6. Contact the lender or a free UK debt adviser about any arrears, secured debt, penalty, threatened enforcement or plan that the chatbot marked as urgent before sending extra money elsewhere.
   7. Set up or amend payments only after checking that every minimum payment remains covered and that the chosen extra payment goes to the intended account.

   Prompt

   Help me prioritise my debt repayments using only the information I provide. This is not professional advice. Do not invent balances, rates, fees, deadlines, legal status or lender policies. First put every debt into a table with the lender type, balance, interest rate or stated charge, minimum payment, payment date, promotional-rate end date if any, arrears or missed-payment status, and any early-repayment fee. Identify missing or unclear information before ranking anything. Then produce: (1) a plan that keeps every minimum payment up to date, (2) a priority order for any extra money using the highest-cost-debt-first approach where the data supports it, (3) a separate list of debts that may need urgent contact with the lender because they are in arrears, secured, subject to penalties, or otherwise risky, and (4) questions I should ask the lender or a free UK debt adviser. Show the arithmetic for the monthly amount available for extra repayments. Do not tell me to stop paying a debt, ignore a lender, take out new borrowing, or use an emergency fund unless you clearly label it as a question for a qualified adviser. State which parts are certain from my figures and which depend on missing information. My debts are: [paste each debt, its balance, rate or charge, minimum payment, payment date, promotional terms, arrears status and fees]. My reliable monthly income is [amount]. My essential monthly spending is [amount]. My existing cash buffer is [amount]. The amount I can safely pay above all minimums is [amount]. My priorities or constraints are [for example, protecting housing, energy supply, transport or work].

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.