Less guesswork.
More perspective.
Explore a fixed monthly repayment, or work out a target for the end of a 0% offer. No account needed.
Let’s see how the numbers look
Start with an example, or pop in your own figures.
£523.99 interest · £3,023.99 repaid in total
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How this estimate works
Uses an effective annual rate converted to a monthly rate, with monthly interest rounded to pennies and payments at month end. Assumes a fixed rate, fixed payments, no fees and no new spending. Your provider may calculate daily interest differently. APR can include fees; use the annual interest rate for your balance where available. This does not calculate your provider’s minimum payment. Always check your statement.
What difference
could a little extra make?
Try your current monthly payment, then an amount you could comfortably afford. Compare the estimated time and total interest.
- Use the rate that applies to your balance.
- Keep essential bills in your budget.
- Check the assumptions under each result.
Your 0%
payoff planner.
See the monthly amount needed to clear a transferred balance and its fee within an interest-free period.
This is an illustration, not a card offer or eligibility check. It assumes the whole balance and fee remain interest-free for the entered period, no new spending and monthly payments. Check the provider’s minimum payment, any minimum transfer fee and promotion conditions separately.
Understand balance transfers£75.00 transfer fee · £2,575.00 to repay. Final payment may be slightly lower.