UK-DEBT.INFO

The United Kingdom's Most Comprehensive Financial Dashboard

£2,796,000,000,000

National Debt (Live)

£4,090

Borrowed Per Second

94.2%

Debt as % of GDP

£40,878

Per Person

£0

Borrowed Today

All figures update in real time · Sources: ONS · OBR · HM Treasury · Bank of England

💷 Debt & Borrowing

National Debt Clock

Live ticking national debt counter with borrowing per second, per person, debt/GDP ratio, and full fiscal snapshot. Updated with every ONS release.

£2,796bn and rising

Interest Payments

Historical UK government interest payments year by year from 1990 to present, with OBR forecasts to 2030. See how debt servicing costs are crowding out public services.

£88bn/yr · 2025/26

◐ Coming Soon

Future Interest Scenarios

What happens to annual interest payments if gilt yields rise to 3%, 4%, 5% or 6%? Interactive scenario modeller showing the fiscal cliff edge.

+£60bn if rates → 6%

◐ Coming Soon

Off-Balance-Sheet Debt

PFI/PPP contracts, unfunded pension liabilities, student loan book, nuclear decommissioning and other obligations not counted in the official PSND figure.

~£9tn+ hidden liabilities

◐ Coming Soon

🏦 Money & Assets

Gold reserves, foreign currency holdings, IMF drawing rights, M2 money supply and BoE balance sheet. How much does the UK actually own vs what it owes?

£130bn reserves vs £2.8tn debt

BoE Bond Programme

The full story of Quantitative Easing and Quantitative Tightening — how much was created, what it cost, the losses being crystallised, and who pays for them.

~£50bn QT losses est.

◐ Coming Soon

Asset Prices vs M2 & GDP

House prices, gold, equities and average salaries plotted against M2 money supply and GDP growth since 1990. What has money creation done to asset values?

House prices +580% since 1990

◐ Coming Soon

👥 People & Work

Public vs Private Employment

Historical and forecast split between public and private sector workers, economic inactivity trends, and what the ratio means for tax receipts and sustainability.

6.1m public sector workers

◐ Coming Soon

Pension Liabilities

Civil service, NHS, police, teachers and armed forces pension liabilities year by year. Actual contributions vs projected payouts — the gap that future taxpayers must fill.

~£2.6tn civil service liability

◐ Coming Soon

Personal Finance Dashboard

Average UK mortgage debt, credit card balances, personal loans, savings rates and net worth per household. The financial position of the average British person.

Avg mortgage £137k outstanding

◐ Coming Soon

🌍 Context & Comparison

The Human Scale

What if the UK government were a single person? Convert GDP to salary, national debt to personal debt, and government spending to a household budget. Suddenly it all makes sense.

Govt spends 45p of every £1 earned

◐ Coming Soon

UK vs The World

How does UK debt, gold reserves, interest burden and fiscal position compare to the USA, Germany, France, Japan and other G7 nations? Credit ratings and competitiveness.

UK #17 in gold holdings

◐ Coming Soon

Historical Timeline

UK national debt from 1900 to present with key events marked — World Wars, Bretton Woods, Black Wednesday, the 2008 crisis, COVID. How did we get here?

Debt peaked at 250% GDP post-WW2

◐ Coming Soon

Real wages vs CPI inflation vs house prices vs energy costs since 1970. Are people genuinely better or worse off than their parents? The data tells the story.

Real wages flat since 2008

◐ Coming Soon

ℹ️ About This Site

What is UK-Debt.info?

UK-Debt.info is an independent, non-partisan public information resource providing real-time and historical data on the United Kingdom's fiscal position. It is the most comprehensive UK financial dashboard available to the public.

All figures are derived from official UK government sources including the Office for National Statistics (ONS), the Office for Budget Responsibility (OBR), HM Treasury, and the Bank of England. Live counters are estimates based on the latest published annual figures divided to a per-second rate — they are illustrative of the scale and direction of public finances, not audited accounts.

This site has no political affiliation. It does not advocate for any party, policy position or ideology. The data speaks for itself.

For journalists and researchers: All source data is publicly available from the links below. Please cite as "UK-Debt.info, based on ONS/OBR data" and include the date of access as figures update monthly.

ONS OBR HM Treasury Bank of England IMF CEIC Data DWP ONS Population

☕ Support This Site

UK-Debt.info is free, independent and carries no advertising. If you find it useful, a small donation helps keep it updated and ad-free.

DONATE BUTTON
COMING SOON

Ko-fi donation button will appear here. All donations go towards data costs and hosting.

⚠️ All figures are estimates based on publicly available official data. This site is not affiliated with HM Treasury, ONS, OBR or any government body. Not financial advice. Full Disclaimer · Privacy Policy