Loans, Debt & Credit calculators

13 calculators in Loans, Debt & Credit. Every one shows the tax year it used and the rules it applied.

Showing 1–13 of 13 in Loans, Debt & Credit · Open the Loans, Debt & Credit page

APR CalculatorUse our free APR Calculator to get an instant estimate.
Car Finance CalculatorThis car finance calculator turns a car's price, your deposit and the APR into the numbers that actually matter: the monthly payment, the total interest, and how much you'll have repaid by the end of the deal. It works for both PCP and HP agreements, so you can see the real cost before you sit in a dealer's office. It's built for anyone weighing up a new or used car in the UK - first-time buyers, families upgrading, and people deciding whether finance or a personal loan makes more sense. Adjust the figures to compare deals and understand exactly what you'll pay each month.
Credit Card Repayment CalculatorThis credit card repayment calculator shows two numbers your statement hides: how many months it will take to clear your balance at your current payment, and the total interest you will hand the lender along the way. Enter your balance, the APR and what you can afford to pay each month, and you will see the finish line in plain figures. It works for any UK card, whether you are paying the minimum, a fixed amount, or testing how much sooner you could be free if you found another £50 a month. Seeing the real cost of slow repayment is often the nudge that changes how you pay.
Credit Utilisation CalculatorYour credit utilisation is how much of your available credit you are using - and it is one of the biggest factors in your credit score. This calculator adds up the limits and balances across your cards, works out your ratio, and shows how much to pay down to reach the levels lenders prefer.
Debt Consolidation CalculatorUse our free Debt Consolidation Calculator to get an instant estimate.
Early Repayment CalculatorUse our free Early Repayment Calculator to get an instant estimate.
Loan CalculatorThis loan calculator shows you the monthly repayment, the total you will pay back and how much of that is interest on any amount you borrow. Enter the loan amount, the APR your lender quotes and the term in months or years, and you get an instant breakdown for a personal loan, car finance, a debt consolidation loan or any other fixed borrowing. It works as a general finance calculator for everyday borrowing decisions, so you can compare deals before you sign and see exactly what a longer or shorter term does to the cost. The figures are estimates to help you plan, not a credit offer.
Loan Repayment CalculatorThis loan repayment calculator turns three numbers you already know - how much you want to borrow, the interest rate and how long you'll take to pay it back - into the figure that actually matters: your monthly repayment. It then shows the total interest and the full cost over the life of the loan, so you can see what a deal really costs before you sign anything. It works for personal loans, car finance and most fixed-rate borrowing across England, Scotland, Wales and Northern Ireland. No sign-up, no jargon.
Personal Loan CalculatorThis personal loan calculator turns three numbers - the amount you want to borrow, the interest rate and the repayment term - into the figure that actually matters: what leaves your bank account every month. It also shows the total interest you'll pay over the life of the loan, so you can see the real price of borrowing before you sign anything. It's built for anyone weighing up an unsecured personal loan in the UK, whether you're funding a car, a home improvement, a wedding or consolidating other debts. No personal details, no credit check, just the maths.
Debt-to-Income Ratio CalculatorYour debt-to-income ratio (DTI) compares your monthly debt payments to your monthly income - a quick measure of how affordable your borrowing is, and something mortgage lenders pay close attention to. Enter your figures to see your ratio and how lenders are likely to view it.
Credit Score EstimatorThis credit score estimator gives you a likely band from the main factors lenders look at - payment history, credit utilisation, history length, applications and defaults. It is an educational guide, not your real score, and it never touches your credit file.
Credit Score Improvement SimulatorWant to know how to improve your credit score - and what it unlocks? Start from where you are now, tick the actions you could take, and see your projected score plus which mortgage lenders it would suit.
Soft Search Eligibility CheckerThis eligibility checker gives a rough guide to your approval odds for credit cards, personal loans and mortgages - based on your score band, income, debts and circumstances. It uses no credit check, so it never affects your file.

Every calculator, by category

Property & Tax

Self-Employed & Business

Property & Mortgage

Pensions & Retirement

Savings & Investments

Loans, Debt & Credit

Everyday Money

Software that files it for you

Partner links

If you keep your own books, these are the packages that handle Self Assessment and Making Tax Digital.

FreeAgent

4.8

Free optionMTD ready

The freelancer and contractor favourite, free with some bank accounts.

Free forever with a NatWest, Royal Bank of Scotland, Ulster or Mettle business account
Built-in Self Assessment and MTD for Income Tax filing

From £0 with a NatWest, RBS or Mettle account, otherwise about £19/mo

See FreeAgent

QuickBooks

4.6

MTD ready

The big all-rounder with the deepest MTD track record.

Sole Trader plan built specifically for Self Assessment and MTD
Snap and store receipts, automatic bank feeds

From about £10/mo, frequent 90% off intro offers

See QuickBooks

Xero

4.5

MTD ready

The scale-up choice once you have staff, stock or VAT.

Huge app marketplace and the accountant industry standard
Strong for VAT, payroll and multi-user limited companies

From about £15/mo

See Xero

We may earn a commission if you sign up through one of these links. It never changes what we calculate, what we recommend, or the order they appear in.

Deadlines, rate changes and what to claim

One email when something changes that affects your money. No daily send, no sponsored filler. Unsubscribe whenever.