Loans & Debt Calculators

Calculate your student loan repayments for Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate loans.

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.

Compare total cost of normal repayments vs lump sum. See if early repayment saves money or wastes it.

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

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

Calculate the interest cost of using your overdraft. Most UK banks charge ~39.9% EAR.

Find out when you will be debt-free based on your balance, APR and monthly payments.

Calculate the true Annual Percentage Rate of any loan from the amount borrowed and total repaid.

Calculate BNPL instalment costs for Klarna, Clearpay and custom plans. See the true cost and late fee risks.

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

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

Calculate postgraduate loan repayments at 6% above £21,000. See if your balance is growing or shrinking.

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