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.
Dannon Keates
Very simple to set up
Very simple to set up
October 29, 2025
Tim
The Ease of the Application.
The ease of the application through Credit Score.
October 29, 2025
GA
Service on point
Service on point, right from application stage to fund delivery stage. Highly recommend updraft for your loan application.
October 28, 2025
chelsea
5 stars
Updraft helped me when no one else would. They have consolidated my debts saving me a lot of money each month. Very happy 🙂
October 28, 2025
Stephen Hamlin
Quick and clear process!
Quick and clear process. Deposits made within timeframes and quickly A+++
October 28, 2025
Betsy Dixon
Great company to borrow from!
Really easy experience, really fair rates especially with me having a bad credit score. App is easy to use and so handy for keeping track of things. Took two loans out with this company now, helpin...
October 28, 2025
David S
It's was fast and easy to do
It's was fast and easy to do
October 28, 2025
Customers jardine
I couldn't link my bank account and…
I couldn't link my bank account and updraft spoke me through every step because my account doesn't link with other banks
October 28, 2025
Trisa Matewere
Application
It was easy to complete the online application and straight forward. Looking forward to sort my overdrawn accounts and take control of my flow of finances.
October 28, 2025
Paul
Easy application
Easy application. Paperwork online and easy to read and sign. Excellent service
October 27, 2025
lee Walker-blythe
Help when I needed it
Help when I needed it
October 27, 2025
Code Red
I recive the money in a shirt time,the…
I recive the money in a shirt time,the chat is very helpfull and they answer very quick to any problems
October 27, 2025
matthew wadey
It was so easy and straight forward.
It was so easy and straight forward.
October 25, 2025
Simone Hesketh
Simple and quick
Simple and quick - refreshingly straightforward! I did run into an error on the website, and the page timed out but after I signed the documentation and completed.
October 25, 2025
Victoria Quinn
Excellent site
Excellent site. Easy quick application
October 25, 2025
Sarah C
Easy to use and work
Easy to use and work
October 25, 2025
Paul
So easy to navigate
So easy to navigate Excellent service and kept updated of progress at every point Would highly recommend
October 24, 2025
Shelley Bam Bam Nicholls
Amazing experience
What a super easy process and very clear. It was very quick too. Would definitely recommend.
October 24, 2025
Rated 4.7 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.