Loans, Debt & Credit
Work out loan repayments, interest and the true cost of borrowing.
Loans, Debt & Credit calculators
Loan Calculator
This loan calculator shows you the monthly repayment, the total you will pay back and how...
Use calculator →Loan Repayment Calculator
This loan repayment calculator turns three numbers you already know - how much you want to...
Use calculator →Car Finance Calculator
This car finance calculator turns a car's price, your deposit and the APR into the numbers...
Use calculator →Personal Loan Calculator
This personal loan calculator turns three numbers - the amount you want to borrow, the int...
Use calculator →Credit Card Repayment Calculator
This credit card repayment calculator shows two numbers your statement hides: how many mon...
Use calculator →APR Calculator
Use our free APR Calculator to get an instant estimate.
Use calculator →Debt Consolidation Calculator
Use our free Debt Consolidation Calculator to get an instant estimate.
Use calculator →Early Repayment Calculator
Use our free Early Repayment Calculator to get an instant estimate.
Use calculator →Credit Utilisation Calculator
Your credit utilisation is how much of your available credit you are using - and it is one...
Use calculator →Debt-to-Income Ratio Calculator
Your debt-to-income ratio (DTI) compares your monthly debt payments to your monthly income...
Use calculator →Credit Score Estimator
This credit score estimator gives you a likely band from the main factors lenders look at...
Use calculator →Credit Score Improvement Simulator
Want to know how to improve your credit score - and what it unlocks? Start from where you...
Use calculator →Soft Search Eligibility Checker
This eligibility checker gives a rough guide to your approval odds for credit cards, perso...
Use calculator →Loans, Debt & Credit tools
Borrow with your eyes open
Credit can be a useful tool or an expensive trap — the difference is usually understanding the true cost before you sign. Our loan and debt calculators reveal the monthly payments, total interest and real APR behind any borrowing, so you can compare offers fairly and pay off what you owe faster.
The Loan Calculator and Loan Repayment Calculator show monthly costs for any amount, rate and term, while the Personal Loan Calculator and Car Finance Calculator are tailored to the most common borrowing reasons. The APR Calculator cuts through headline rates to the true annual cost.
Clear debt faster
Carrying a balance on plastic? The Credit Card Repayment Calculator shows how long minimum payments really take — and how much you save by paying more each month. If you are juggling several debts, the Debt Consolidation Calculator compares combining them into one payment.
Thinking of clearing a loan ahead of schedule? The Early Repayment Calculator estimates the interest you would save against any early settlement charge. Every tool is free, gives instant results and never asks for personal details, so you can plan your route out of debt with confidence.
