Let’s look at a manageable repayment plan
If you’re worried about an energy debt, you don’t have to work through the numbers in your head. Enter the amount and a repayment period to see a weekly or monthly estimate.
This helps you explore a plan, not decide what you can afford. Keep the support options below in mind when talking to your supplier.
Figures reviewed June 2026 and updated monthly where appropriate. All results are estimates.
If you are struggling with energy debt, contact your supplier as soon as possible and ask about affordable repayment options. You may also be able to get free support from Citizens Advice, StepChange, National Debtline or local energy support schemes.
Enter the total amount owed in pounds.
How long you'd spread the repayments over.
These figures are an estimate only. Any actual repayment arrangement must be agreed with your supplier, who will consider what is affordable for your household.
Enter your energy debt amount and repayment period to estimate your repayments.
How the Energy Debt Repayment Calculator Works
The calculator divides your total energy debt by your chosen repayment period to estimate the monthly payment, and spreads the same debt across the equivalent number of weeks (months multiplied by 4.345) to estimate a weekly figure. It shows what equal repayments could look like — not a plan your supplier has agreed.
What To Do If You Cannot Afford Your Energy Debt
If you're worried about energy debt, contact your supplier as early as possible and ask for an affordable repayment plan. Suppliers have a duty to work with customers in difficulty, and getting in touch sooner usually gives you more options.
Can Energy Suppliers Force High Repayments?
Suppliers should take your affordability into account when setting a repayment plan. If a proposed repayment feels unaffordable, check your rights and speak to your supplier, Citizens Advice or refer to Ofgem guidance. You don't have to accept an amount you genuinely cannot afford without raising it.
Prepayment Meter Debt Repayments
Energy debt can sometimes be collected through a prepayment meter, where a portion of each top-up goes towards the debt. Even then, the repayment rate should remain affordable, so it's worth discussing the deduction level with your supplier if it leaves you short.
Why Your Actual Repayment Plan May Be Different
Your real plan can differ from this estimate because of supplier policies, affordability checks, any benefits you receive, vulnerability support, your payment method, your wider household circumstances and the repayment terms you ultimately agree. Treat this as a starting point for a conversation, not a fixed arrangement.