Credit Card Repayment Calculator
Your card
See how long it takes to clear your balance - and what the interest really costs.
£
%
£
£0
Quick set monthly payment
£
Applied immediately (e.g. a bonus or transfer of savings).
We'll show the payment needed to hit this.
Time to clear
Never
Your payment is at or below the monthly interest - the balance won't reduce. Increase it above /mo.
to clear at APR
- Starting balance
- One-off payment
- Total interest
- Total you repay
- Debt-free
BalanceInterest
Vs paying the minimum
interest saved
cleared sooner
To clear in pay about /mo.
Estimate only. Assumes a fixed payment, fixed APR and no new spending.
Balance over time
Your payment
Minimum only
| Year | Interest | Paid off | Balance left |
|---|---|---|---|
Compare saved scenarios
| Scenario | Payment | Time to clear | Total interest | |
|---|---|---|---|---|