Loans & Debt Calculators

13 free calculators · Updated for 2026/27

Borrowing is priced in ways that make comparison difficult, since a monthly payment, a headline rate and the total repaid each tell a different story. Loan and debt calculators work out repayments and the true cost of credit cards, overdrafts, personal loans, car finance and instalment plans, alongside student loan deductions, which supports choices about consolidating, overpaying or simply picking a term.

Monthly cost and total interest on a given amount come from the Personal Loan Calculator, which compares terms from one to seven years. The Credit Card Repayment Calculator shows how long a balance takes to clear and the interest paid on the way, the Debt Consolidation Calculator sets current payments against a single loan, and the Car Finance Calculator (PCP/HP/Loan) puts PCP, hire purchase and a loan side by side with any balloon payment. Deductions on Plans 1, 2, 4, 5 and postgraduate loans come from the Student Loan Repayment Calculator.

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Student Loan Repayment Calculator

2026-27

Calculate your student loan repayments for Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate loans.
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Car Finance Calculator (PCP/HP/Loan)

Compare PCP, HP and personal loan for any car. See monthly payments, total cost, balloon payment and which is cheapest. Free UK calculator updated 2026.
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Should I Repay Student Loan Early?

Compare the total you pay with and without a lump sum, and repaying vs investing it. See if early repayment saves money or wastes it.
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Personal Loan Calculator

See exact monthly repayment, total interest and APR cost on any UK personal loan. Compare 1-7 year terms. Updated for 2026 lending rates.
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Credit Card Repayment Calculator

Calculate how long it will take to pay off your credit card and how much interest you will pay.
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Overdraft Cost Calculator

Calculate the interest cost of using your overdraft. Most UK banks charge ~39.9% EAR.
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Debt-Free Date Calculator

Find out when you will be debt-free across several debts, and compare the avalanche and snowball repayment strategies side by side.
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APR Calculator — True Interest Rate

Calculate the true Annual Percentage Rate of any loan from the amount borrowed and total repaid.
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Buy Now Pay Later Calculator

Calculate BNPL instalments for Pay in 3, Pay in 4 and interest-bearing plans, with late fees and your total monthly BNPL commitment.
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Student Loan Interest Calculator

Calculate your student loan interest rate by income. See how fast your balance grows with compound interest.
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Debt Consolidation Calculator

Compare current debt payments vs a consolidation loan. See if you save on monthly payments and total interest.
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Postgraduate Loan Repayment Calculator

Calculate postgraduate loan repayments at 6% above £21,000. See if your balance is growing or shrinking.
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Student Loan Plan 4 (Scotland) Calculator

Calculate Plan 4 (Scottish) student loan repayments at 9% above the £33,795 threshold for 2026/27. See monthly and annual deductions.