Credit card calculator

Use our credit card calculator to work out how long it'll take to pay off your balance, or balances, and how much it'll cost you in interest.

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How to use the credit card calculator

How much is your credit card costing?

If you don't repay all of what you owe on your credit card each month you'll get charged interest on the whole debt - not just the outstanding monthly payment.

By simply paying the minimum amount each month, interest will be added each time to what you still owe. That's why it's so important to try and pay more than the minimum so you start to reduce the time it takes to clear what you owe.

Use our handy credit card calculator to find out how much you're paying in interest on the money you've borrowed and what you could save by paying more than the minimum amount each month.

Get help with credit card debt

If you're struggling with credit card debts, talk to our experts as soon as possible. On a debt management plan we may be able to negotiate reduced payments to make your credit card more affordable or even a freeze in interest and charges.

Your lenders aren't guaranteed to accept these options. But we will talk to them on your behalf. If you do pay less each month, bear in mind that your debt may take longer to clear and cost you more - your lower repayments will also show on your credit report.

Need expert help with your debts? Complete our form to request a callbackRequest a callback
  • 0161 669 8925
  • 0161 669 8925

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Please remember, the form above is just an information tool. One of our advisors will be in touch to answer any questions you may have and offer you more personalised advice on how to resolve your debt problems.
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