UK Debt Clock
A live look at what the UK owes — national debt, household debt, local council borrowing and the NHS repair backlog — built from official ONS, OBR, HMRC and NHS figures. Watch the counters tick, and see your personal share.
UK National Debt
£2,984,000,000,00095.1% of GDP · as of 31 May 2026
Your share of the national debt right now
Baseline as of Jan 2026
Total household debt — mortgages, credit cards, loans and student loans. Point-in-time snapshot.
The Money Charity — Money Statistics (Jan 2026)Baseline as of 2025-26
Total UK local authority borrowing — a record high, rising about £6bn a year.
TaxPayers' Alliance / MHCLG local government finance (2025-26)Baseline as of 2024/25
NHS provider deficit: £787,000,000 (2024/25)
The cost of outstanding NHS building repairs. This is a repair liability, not government debt.
NHS England Digital — ERIC estates data (2024/25)How this clock works
Each figure starts from an official baseline pinned to a date. Counters marked "live" tick forward at an estimated rate derived from a sourced annual flow (government borrowing, the annual rise in council debt) — the same method as national debt clocks worldwide. Point-in-time measures (personal debt, the NHS backlog) are shown at their published value and are not extrapolated. Every figure links to its source. These are estimates for illustration, not official real-time totals.
Work out your own numbers
The debt is national — your finances are personal. These free calculators use the same up-to-date figures.