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.
stephen Harrison
Easy process
Easy process
February 8, 2026
Jonathan
Fast easy no hassle
Fast easy no hassle
February 8, 2026
John Gregory
Amazing support throughout
Amazing support throughout. Fantastic to be able to pay card directly. Saving over £240 per month and half the interest i would have paid with the credit card. Definitely recommended and the app ...
February 7, 2026
customer
It’s been a great very quick and…
It’s been a great very quick and efficient experience
February 7, 2026
Guest
So easy to work with and use the website
So easy to work with and use the website
February 7, 2026
Lee Thompson
Really easy to use great service easy…
Really easy to use great service easy process
February 7, 2026
Shaun Mcgee
It was quick and easy
It was quick and easy
February 7, 2026
Michael Daly
The company delivered on time and the…
The company delivered on time and the rate given was very reasonable compared with other lenders.
February 7, 2026
Anne Turner
User friendly website
The website was easy to use and good correspondence throughout.
February 6, 2026
Rosemary Carroll
Very easy to apply ..great communication
Very easy to apply ..great communication
February 6, 2026
Customer
Easy application and very fast response
Easy application and very fast response
February 6, 2026
Maria Ramos
Simple and easy.
Simple and easy.. Not complicated, and speedy reply. The best so far to deal with when needing a loan. Thank you.
February 6, 2026
Natasha
Very quick and easy to process
Very quick and easy to process
February 6, 2026
Edward Haines
I was absolutely drowning in dept had…
I was absolutely drowning in dept had no money, tried multiple companies for a loan to consolidate my dept all had outrageous interest rates!!!! Seen updraft on TikTok gave it a look and oh what a ...
February 6, 2026
Godelive Kulimushi
That you are excellent
Your help is excellent
February 6, 2026
Mofe Uvwoh
Process was smooth
Process was smooth
February 6, 2026
Cyril
It was a quick application process
It was a quick application process. Thank you.
February 6, 2026
Narvin
Great service
Great service
February 6, 2026
Jonathan Haacke
I’ve only just started with Updraft
I’ve only just started with Updraft, so I can’t say too much yet. I applied for the loan to pay off my credit cards. The whole application process is done through the app, which I found difficult t...
February 6, 2026
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.