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Home/Debt & credit

MONEY & PLANNING

Debt and credit calculators

Free debt calculators for credit card repayments, debt consolidation loans and paying off what you owe sooner.

47 tools to exploreCHOOSE YOUR STARTING POINT

UK credit card interest calculatorWork out the interest on a UK credit card balance, how long a monthly payment takes to clear it, and what paying only the minimum would cost.Credit card repayment calculatorCredit card repayment calculator: see how long it takes to clear a card balance and how much interest you'll pay with a fixed or minimum monthly payment.Debt consolidation loan calculatorDebt consolidation loan calculator: see the monthly payment and total cost of one loan to clear your existing debts, and how the term changes it.UK payday loan calculatorUK payday loan calculator: see the interest, total to repay and APR at the FCA cap of 0.8% a day, with instalments, late fees and the 100% limit.UK short-term loan interest calculatorUK short-term loan interest calculator: work interest and total to repay from an APR, a daily rate or a flat charge, with the FCA payday cap check.UK credit card loan payoff calculatorSee how extra payments or a one-off lump sum shorten a UK credit card payoff, how much interest they save, and whether a loan would cost less.UK credit card vs personal loan calculatorCompare a UK personal loan with a credit card for the same amount: monthly payment, interest, time to clear, the saving and the break-even card payment.UK balance transfer loan calculatorSee what a UK credit card balance transfer saves after the fee, how much is left when the 0% period ends, and the payment that clears it in time.Debt loan payoff calculatorDebt loan payoff calculator: see how much sooner you could clear a loan, and how much interest you'd save, by paying extra each month.Call loan calculatorWork out the simple interest and payoff amount on a call loan with part-payments, advances and rate changes using a dated ledger.UK payday loan APR calculatorUK payday loan APR calculator: work the effective APR from a daily rate or total charge and compare it with the simple yearly rate and the FCA cap.UK overdraft loan interest calculatorWork out the interest on a UK bank overdraft from the amount, the days, the EAR and any interest-free amount, with two balance bands and an optional cap.UK flexi loan calculatorWork out the monthly repayment, total cost and APR of a UK flexi loan, including a rate quoted per month, a fee, and what settling early saves.UK balance transfer vs personal loan calculatorCompare a UK 0% balance transfer card with a personal loan: monthly payment, fees, interest and total cost, and which clears your card debt for less.UK IVA early settlement loan calculatorEstimate what to offer creditors to settle a UK IVA early from your monthly payment and months left, and what a loan to fund the offer would cost.Debt consolidation loan eligibility calculatorDebt consolidation loan eligibility calculator: estimate the consolidation loan a monthly payment could cover, and what lenders check.UK payday loan payoff calculatorUK payday loan payoff calculator: see the interest saved by repaying early or making a part payment, and the cost of up to two rollovers.UK short-term interest-only loan calculatorUK short-term interest-only loan calculator: monthly interest, final payment, fees and effective APR when you repay the amount in one go at the end.UK overdraft vs personal loan calculatorCompare the cost of a UK overdraft with a personal loan for the same amount, and find the number of days at which the overdraft stops being cheaper.US flex loan calculatorWork out the monthly payment, total cost and APR of a US flex-style instalment loan with an origination fee, and see what paying it off early saves.UK business line of credit loan calculatorEstimate the payments and interest on a UK business credit line drawn down, interest only, as equal payments or a percentage of the balance.Consolidated loan interest rate calculatorWork out the true rate on a debt consolidation loan from the amount, fees, monthly payment and term, and compare it with your debts.Debt consolidation loan interest rate calculatorDebt consolidation loan interest calculator: see the interest on a consolidation loan at different rates, and compare it with your current debts.UK consolidation loan comparison calculatorCompare keeping up to three debts with one or two UK consolidation loan offers: payment, APR with fees, total repayable and what each saves.UK demand loan calculatorCalculate the simple interest on a UK demand or call loan to any date, with part-payments, advances, rate changes and a choice of day basis.UK payday loan compensation calculatorUK payday loan compensation calculator: estimate the interest and charges you could get back on unaffordable loans, plus interest. An estimate only.UK daily interest on payday loan calculatorUK daily interest on a payday loan: the cost per day at up to 0.8%, the interest for your days borrowed, the total to repay and when the 100% cap hits.UK payday loan eligibility calculatorUK payday loan eligibility calculator: check typical criteria, the cost at the FCA price cap and what is left of your income. Not an approval.UK flex loan APR calculation explanationSee how the APR of a UK flexible loan is worked out from its rate and fee, and why it is higher than the quoted rate, with the sums shown.US credit card interest calculatorSee the interest on a US credit card balance, how many months a fixed payment takes to clear it, and what paying only the minimum would cost.US credit card loan payoff calculatorSee how extra payments or a lump sum shorten a US credit card payoff, how much interest you save, and whether a payoff loan would cost less.US business line of credit calculatorEstimate the payments and interest on a US business line of credit: interest only, a draw period then repayment, equal payments or a share of the balance.US overdraft fee and interest calculatorPrice a US overdraft: the per-item fee and what it equals as a yearly rate, against interest on an overdraft line of credit for the same days.US line of credit vs loan calculatorCompare the interest on a US line of credit with a personal loan for the same amount, and find the days at which the line stops being cheaper.US flex loan APR calculatorWork out the APR of a US flex loan: a line of credit with a daily fee, a short advance with one fee, or a fixed-term loan with an origination fee.US balance transfer vs personal loan calculatorCompare a US balance transfer card with a personal loan: monthly payment, transfer fee, origination fee, interest and total cost, and which costs less.US credit card vs personal loan calculatorCompare a US personal loan, with its origination fee, against a credit card for the same amount: payment, interest, time to clear and the break-even payment.US balance transfer loan calculatorSee what a US credit card balance transfer saves after the percentage and minimum fee, and what is left when the 0% intro APR period ends.US consolidation loan comparison calculatorCompare keeping up to three debts with one or two US debt consolidation loans: payment, real APR with the origination fee, total and what each saves.US demand loan calculatorCalculate the simple interest on a US demand or call loan to any date, with partial payments, advances, rate changes and 365 or 360 day years.US payday loan calculatorUS payday loan calculator: turn a fee per $100 into dollars and APR, with rollovers, late fees and the total repaid. State law sets the fee limit.US payday loan APR calculatorUS payday loan APR calculator: find the APR from the loan amount, fee and days, with the fee added or taken from the advance. Uses Regulation Z.US payday loan payoff calculatorUS payday loan payoff calculator: see the months and interest saved by paying extra on a high-rate installment loan, and why a flat fee does not shrink.US daily interest on payday loan calculatorUS daily interest on a payday loan: spread a flat fee per $100 over the term, or work daily interest from a yearly rate, with the APR shown beside it.US short-term loan interest calculatorUS short-term loan interest calculator: work interest, total to repay and APR from a yearly rate, a daily rate or a flat payday-style fee.US short-term interest-only loan calculatorUS short-term interest-only loan calculator: monthly interest, the balloon payment, points and APR for a loan where you repay the principal at the end.US payday loan eligibility calculatorUS payday loan eligibility calculator: check the CFPB requirements, the fee and APR, the 36% military limit and what is left of your income.

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