Debt & borrowing calculators
Start with the calculator that matches your immediate decision: how much a loan costs, how long a card takes to clear, which debt to pay first, or whether a new monthly commitment is affordable.
Loan Repayment Calculator
Estimate monthly loan repayments, total interest, total repaid and cost per £1 borrowed.
Credit Card Payoff Calculator
See how long it could take to clear a credit card balance and how much interest may be paid.
APR Calculator
Estimate the annual percentage rate from borrowing amount, repayment, term and fees.
Debt Snowball Calculator
Compare debt snowball and debt avalanche payoff methods across multiple debts.
Debt-to-Income Ratio Calculator
Compare monthly debt payments with gross monthly income, with or without housing costs.
Car Finance Calculator
Estimate HP or PCP monthly payments, total payable, interest and final balloon payment.
Student Loan Repayment Calculator
Estimate Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate Loan repayments.
Buy Now Pay Later Calculator
Estimate BNPL instalments, fees, total cost and monthly income pressure.
Where to start
If you are unsure which tool to use first, follow the decision path below.
Work out the real cost
Use the loan repayment calculator or APR calculator to see the monthly payment, total interest and total amount repayable.
Check the monthly pressure
Use the debt-to-income ratio calculator to see how existing debts and any new repayment compare with gross income.
Build a payoff plan
Use the credit card payoff calculator or debt snowball calculator to see how repayment choices affect time and interest.
Compare alternatives
Before borrowing, compare saving first, paying less, delaying the purchase, or using a cheaper repayment route.
Debt & borrowing guides
These guides explain the decisions behind the calculators, including payoff methods, APR, consolidation, credit card minimum payments and student loan repayments.
Debt Snowball vs Debt Avalanche
Compare motivation-first and interest-saving debt payoff methods.
How APR Affects Borrowing Cost
Understand why APR changes monthly payments and total cost.
Debt Consolidation vs Paying Separately
Check whether combining debts could help or cost more.
Credit Card Minimum Payments Cost
See why minimum payments can keep card debt around for years.
Student Loan Repayments Explained
Learn how UK student loan thresholds and repayment percentages work.
Borrow carefully: what to compare
Borrowing decisions should not be based on the lowest monthly payment alone. A lower payment can sometimes mean a longer term, higher total interest, larger final payment, or more risk if your income changes.
- Total amount repayable: how much you pay in full, not just each month.
- APR and fees: compare the annualised cost and any upfront or account fees.
- Term length: longer terms can reduce monthly payments but increase total cost.
- Flexibility: check overpayments, early repayment charges and settlement rules.
- Affordability: make sure repayments still leave room for bills, emergencies and savings.
- Debt help: if repayments are already unmanageable, free debt advice may be better than more credit.
Compare cost before applying
Use the calculators first, then compare borrowing options only if the total cost and monthly commitment are affordable.
Debt & borrowing glossary
Understand the key terms before comparing credit products or using a payoff strategy.