Borrowing Calculators
See the real cost of credit before you commit. Credit cards, personal loans, car finance and debt payoff strategies — all UK-specific.
Credit Card Payoff
How long until your card is cleared? Compare minimum payments vs a fixed monthly amount — and see exactly what the difference costs you in interest and years.
Open calculator → BorrowingPersonal Loan Comparison
Compare loan offers by total cost, not just monthly payment. Enter any APR and term — total interest and total repaid side by side.
Open calculator → BorrowingCar Finance: PCP vs HP vs Loan
PCP looks cheap — until you add up the balloon payment, mileage limits and total cost. See what you're really paying.
Open calculator → BorrowingDebt Snowball vs Avalanche
Which payoff strategy clears your debts faster and saves the most in interest? Model both methods across all your debts.
Open calculator → BorrowingDebt Consolidation
Enter your debts and a consolidation loan offer to see exactly how much interest you save — or pay extra — by rolling them into one fixed monthly payment.
Open calculator → Student LoanStudent Loan Repayment
Plan 1, 2, 5 or Postgrad — will you actually clear it, or is it written off? See total repaid, interest, and why overpaying rarely makes sense on Plan 2.
Open calculator → BorrowingBalance Transfer Calculator
Should you move your credit card debt to a 0% deal? Transfer fee vs interest saved — with a warning if the balance won't clear before the 0% window closes.
Open calculator → BorrowingOverdraft Cost Calculator
Most UK overdrafts charge ~40% EAR. See the true daily, monthly and annual cost — and what switching to a personal loan or balance transfer would save.
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