Enter your balance, APR, and monthly payment to see exactly how long it will take to clear your debt — and how much interest you'll pay in total.
Know when you want to be debt-free? Enter your balance, APR, and target number of months to find out the exact monthly payment required.
See how much a 0% balance transfer could save you. Enter your current situation and the transfer offer details to compare the total cost of each option.
Your Saving with a Balance Transfer
How to Use This Calculator
Payoff Timeline
Know your balance, APR, and what you pay monthly? This tab tells you exactly when you'll be debt-free and the total interest cost.
Monthly Payment
Have a target date in mind? Enter your balance, APR, and number of months — we calculate the exact payment needed to hit that target.
Balance Transfer
Compare your current card against a 0% balance transfer offer. See the exact saving after the transfer fee — in pounds and in months.
Find your exact APR on your monthly statement or in your online account — it's usually listed as "Purchase APR" or "Variable APR." Use your actual minimum payment or the fixed amount you plan to pay each month for the most accurate payoff timeline.