Credit card 1
Free UK credit card repayment calculator — see how much interest you could pay, when you could clear your balance and what paying extra could save.
Work out your credit card repayments.
Three quick numbers. An estimate is fine — we’ll do the rest.
Your current balance — an estimate is fine.
The APR shown on your statement.
What you usually put towards the card.
Enter all three to see your estimated numbers as you type.
How much is your credit card really costing you?
Your monthly payment is only part of the story. Interest can mean you pay much more than your original balance. Use our free credit card repayment calculator to see how long repayment could take, how much interest you might pay and what paying extra could change.
How can I pay off my credit card faster?
The single biggest lever is your monthly repayment. Paying more each month can clear your balance sooner and cost you less in interest — the faster the balance falls, the less interest it has time to gather. Once you’ve entered your own numbers, the What If feature lets you try different monthly payments and see instantly what each one could change.
For example: £5,000 at 24.9% APR
Estimated figures using this calculator’s method — your own numbers will be different.
Paying £150 a month
- Estimated time to clear
- 4 years 10 months
- Estimated interest
- £3,593.61
- Estimated total repaid
- £8,593.61
Paying £200 a month
- Estimated time to clear
- 3 years
- Estimated interest
- £2,122.71
- Estimated total repaid
- £7,122.71
Paying £200 instead of £150 a month could cut the interest by an estimated £1,470.90 and clear the balance about 1 year 10 months sooner.
Calculation assumptions
Your results are estimates. We calculate interest monthly using your APR divided by 12, assume your APR and monthly payment stay the same, and assume no new spending or fees. Interest is added before each monthly payment. Credit card providers may calculate interest daily, so your actual costs could differ.