Credit Card Debt Repayment Calculator
Add your credit card balance along with the interest rate and we’ll do the maths for you.
Credit Card Balance
Credit Card APR (%)
How much do you pay monthly?
24.6% APR Representative based on a £10,000 loan over 60 months at 19.9% fixed interest p.a. Monthly repayment: £277.60. Total repayable: £16,656 (inc. £500 fee). Subject to status and affordability. Consolidating debt may increase the term and total amount repaid.
Understand your repayments
with our UK Credit Card Debt Repayment Calculator
Our free credit card repayment calculator helps you work out how long it could take to pay off your credit card balance based on your interest rate and monthly payments. It’s a simple way to understand your borrowing and find smarter ways to pay off credit cards faster.
If you’re managing more than one card, you can also check your eligibility for an Updraft debt consolidation loan – designed to help you bring multiple balances together into one clear monthly repayment, with no impact on your credit score.
In short: You stay in control, understand your repayments, and make progress on your debt.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Mr Harris
Easy to use quick to respond
Easy to use quick to respond, recommended to all
December 13, 2025
Stephen Watt
Quick decision and easy walk through
Quick decision and easy walk through
December 13, 2025
Jaslyna
Quick fund transfer
Quite straightforward application process. The funds transferred within 3 days. Although interest rate is quite high but Great experience overall.
December 13, 2025
Lucy Clark
Great Service highly recommend
Was easy and quick. No fuss!
December 12, 2025
TK
100% recommend
100% recommend This easiest, lowest apr and hassle free loans on the market for me! Other places offering double the apr compared this Updraft! So happy
December 12, 2025
Jamie Yardley
Perfection
Perfection Explained well and easy from start to finish
December 12, 2025
Sarah Clark
Process really easy
Process really easy. The decision came back quickly.
December 12, 2025
MEHULKUMAR PARMAR
Bestes Ever
Easy To make Your Application And Easy to Get credit If you Have good Credit Score Thank You ☺️
December 12, 2025
Ventsi
Best of the best
I had a very positive experience. The communication was clear, fast and professional throughout the entire process. Everything was explained properly, and I received support exactly when I needed i...
December 12, 2025
Jonathan Clugston
Decided to try and consolidate
Decided to try and consolidate, my many credit cards. Uplift, have now gave me that opportunity. A great way to structure my monthly payments into one manageable payment.
December 11, 2025
Lynn
Amazing service and prompt emails
Amazing service and prompt emails
December 11, 2025
Jane Lione
Great response
Quick, easy and no jargon! Ty
December 11, 2025
Andrew
Highly Recommended
Quick process, everything explained fully, app and site user friendly, would definitely recommend.
December 11, 2025
Ratu
Amazing service
Amazing service, just quick, clear and comprehensive for the application. Great Job
December 10, 2025
robert metcalfe
Quick decision excellent
Quick decision excellent
December 10, 2025
Rayn
Ease of application is impeccable!!!! Fast deci...
Ease of application is impeccable. Over the years of applying for loans from time to time, applying with Updraft could be one of the easiest and also the fastest to confirm a decision. No frills, j...
December 10, 2025
Balaji Ramaswamy Thangaraj
Easy process
Easy process
December 9, 2025
Holly Arundel
Very quick and helpful
Very quick and helpful
December 9, 2025
Selina Yeo
Really easy setup and quick process
Really easy setup and quick process
December 9, 2025
Andre Van de Laar
Easy and Quick
Updraft made the process extremely simple and easy to follow. The instructions were clear and quick to complete
December 9, 2025
Rated 4.8 stars
Frequently Asked Questions
Got questions about our Credit Card Debt Repayment Calculator? Here’s how it works and how it can help you pay off credit card debt faster and stay in control of your borrowing.
What does the credit card debt repayment calculator do?
Our credit card repayment calculator shows how long it could take to clear your credit card balance based on your interest rate and monthly payments. It’s designed to help you plan ahead and understand the impact of different payment amounts.
Can I use this calculator for more than one credit card?
Yes. If you have more than one card, you can enter each credit card balance separately to see how long repayment might take. This helps you decide which debts to prioritise or explore ways to simplify your repayments.
How accurate are the calculator results?
The figures are estimates based on the details you enter. They don’t include any future changes to your APR or fees. Use the results as a guide to understand your borrowing - not a guarantee of future costs.
What’s the best way to pay off credit cards faster?
Paying more than the minimum each month can help you reduce your credit card debt faster. You can also explore debt consolidation – combining what you owe into one fixed monthly repayment.
If you’d like to see whether that could work for you, check your eligibility with Updraft – it only takes a few minutes and won’t affect your credit score.
Does Updraft offer credit card debt consolidation loans?
Yes. Updraft offers credit card debt consolidation loans to help you pay off existing credit card balances and manage one fixed monthly repayment instead. You can check your rate online in minutes, with no impact on your credit score.
By proceeding with checking eligibility, you are agreeing to receive documentation (including any loan documentation) digitally through the Updraft app and to your email address.
You also acknowledge, should you accept a loan offer, you will only be able to manage this via the Updraft app.