Most debt apps are built to make you feel behind
They colour your balance in alarm tones, count the days you’ve kept up, and offer two boxes: paid, or not paid. Real repayment isn’t like that. You pay a bit late. You pay half. You pay double one month because a payday landed well.
Mirian is a debt repayment tracker that records what actually happened, and then gets out of your way.
Almost everyone finds this harder. Almost nobody says so.
of neurodivergent people say their neurodivergence makes debt harder to manage
didn't ask their creditors for help
of those who reach debt advice disclose being neurodivergent at all
The gap isn’t awareness. It’s shame. Overwhelm, anxiety and stigma are the top reasons people go quiet at exactly the moment support would help most. For a lot of people, that looks like avoiding debt letters rather than opening them.
PDA and money
With a PDA profile it goes further. Demands themselves set off anxiety and avoidance, so the harder an app pushes “pay now”, the more surely it gets ignored. Mirian is built to lower the demand, not raise it.
Figures from StepChange and Equifax, 2025.
A debt payoff tracker with enough detail to be honest, not enough to be a chore
Four honest states, not a tick box
Paid on time, late, part paid, or part paid and late. Each one has a word and a glyph, so you can read a year at a glance without decoding colours.
Overpayments are recorded too, and they move your date forward.
Late payments happen. What matters is you’re on it.
Notes on any payment
Why it was short, what you agreed on the phone, what to chase next month. Context without commentary.
Partial and overpayments
Pay £20 or pay double. Both get recorded properly, and overpayments pull your debt-free date closer.
Track multiple debts, each with its own due date
Credit cards, overdrafts, loans, catalogues, energy and council tax arrears. Each debt keeps its own direct debit date, so you can see the month ahead without opening a bank app.
Your debt-free date, front and centre
The one number that actually motivates: when will I be debt free? Mirian answers that, and the date updates every time you log a payment.
Payment arrangements and creditor contacts
Plan in place, needs setting up, awaiting response, plus the creditor's number, kept with the debt.
How to track your debts in four steps, and you can stop after any of them
Add your debts
Company and amount is enough. The rest can wait, or stay blank forever.
Set up arrangements
Mark each one as in place, needs setting up, or awaiting response. Honest status, no pressure.
Log payments your way
On time, late, part paid or overpaid, with a note if you want one.
Watch your debt-free date come closer
Every payment you log moves the date. That's the whole reward.
A money app for the ADHD, PDA and autistic brains other finance apps quietly give up on
If instructions make you freeze, if the thought of opening a banking app makes your stomach drop, if debt anxiety has you leaving letters unopened, or if you’ve abandoned three budgeting tools because they started nagging: that’s who this is for.
You don’t need a diagnosis to use it. You just need somewhere to write it down.
Track a debt management plan, IVA or payment arrangement
Plenty of people come to Mirian part-way through. You might be on a debt management plan (DMP), paying into an IVA, or have a handful of informal payment arrangements set up with creditors over the phone.
Mirian works alongside all of them. Add the plan or arrangement as a debt, set the monthly amount and the day it goes out, and log payments as they leave your account. You get one calm record and a debt-free date, without having to log into three portals to see where you are.
Mirian doesn’t manage your plan or contact your provider. It’s your own record, kept for you.
Debt management plan tracker
One monthly payment to your provider. Log it each month and watch the date move.
IVA payment tracker
Keep every payment and note in one place, for the years the IVA runs.
Payment arrangement tracker
In place, needs setting up, awaiting response. Know which is which at a glance.
Nothing yet, and never without you saying so
Plenty of people reading this have been caught by something that quietly renewed. Mirian can’t do that to you, because it never holds your card.
Free while it's being tested
That's now. Nothing to pay, no card, no trial running down in the background.
Then 90 days free for everyone
Long enough to see a few months of payments land and watch the date move, which is the bit worth paying for.
After that, £5 a month
Every feature. No cheaper tier that holds your own numbers back, and no charging more for having more debts.
And if you don’t pay
Your record stays yours.
- Sign in whenever you like.
- Read every payment you have ever logged.
- Download the lot as a PDF.
- Delete your account, and everything in it, at any time.
The only thing that stops is adding new payments. Come back and pay whenever you are ready, and nothing is owed for the months in between.
Nobody gets locked out of their own history for being short this month. That would be a strange thing for a debt tracker to do.
What people say
The way the app works gets rid of the drop in my stomach. Somehow it makes it far easier to use than other trackers I've tried.
Being able to log any payment I made and then put a note to remind myself what happened is really helpful.
Knowing EXACTLY when I'll be debt free is a game changer. I'm planning my party already!
Three things we’re working on
No dates attached. We’d rather show you than promise you. If the order looks wrong to you, say so and we’ll change it.
Your money and the bank's money, side by side
Your banking app shows one number. Some of that is yours and some is the overdraft. Mirian will show you both, separately, so a full-looking balance can't catch you out.
A nudge when it's time to chase
When you've sent a creditor a message and heard nothing back, Mirian will quietly remind you. No pressure, and no counting how long it's been.
A record you can hand over
Every payment and every message, as one file you can print or send to a creditor, debt adviser or DMP provider. For the times someone asks you to prove it.
Questions people ask first
No judgment here. Let’s get it tracked.
Add one debt and see what happens. You can leave the rest blank, come back in a month, and nothing will have told you off. If debt anxiety has kept you from looking, this is a gentle place to start.