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.
customer
Excellent and quick approval amazing…
Excellent and quick approval amazing service
January 15, 2026
Paula
Very thorough and quick to respond to…
Very thorough and quick to respond to any queries
January 15, 2026
Ajae Robinson
wonderful and seamless service
wonderful and seamless service
January 15, 2026
Mr Dougherty
Great experience
No fuss, simple application and funds paid out in two days. Great experience all round 👍🏻
January 15, 2026
Dami
Overpayment Refund!!
So we got paid on the 19th of December and January seem like a long month! And boom an overpayment refund from updraft. Though not a lot but I’m hopeful😀.Now I’m rethinking loan is not too bad afte...
January 14, 2026
Kerry
Amazing company so easy to do business…
Amazing company so easy to do business with. Full 100 I definitely recommend.
January 14, 2026
lee dorney
Seem ok
Seem ok - we'll see re long-term
January 14, 2026
Timothy Riley
Easy application
Easy application
January 14, 2026
Jake Ward
There great they keep intouch thankyou
There great they keep intouch thankyou
January 14, 2026
Erica Faulkner
Very simple and easy to apply and set…
Very simple and easy to apply and set up direct debit. APR on loan was also very good as well.
January 13, 2026
Mark
Quick and easy application with a good…
Quick and easy application with a good rate of interest
January 13, 2026
michaela hawkins
The communication was excellent
The communication was excellent, very helpful responses to my questions and they were able to improve my offer very quickly. Quick and easy set up and the money was in my account the next working d...
January 13, 2026
LIZ
Perfect choice
Was looking for an affordable reypayment amount & rates were perfect as was the whole application process
January 13, 2026
Antonino Stillitano
Fast and precise
Fast and precise
January 13, 2026
Consumer
Because the application was too smooth
Because the application was too smooth
January 13, 2026
A Toomer-Smith
Quick decision and easy to do
Quick decision and easy to do. Would highly recommend.
January 13, 2026
Mark
Great experience
Great experience, very helpful and an easy application process. Thank you so much!
January 13, 2026
Darren O'Loughlin
Quick and easy process
Quick and easy process, and I felt completely at ease making such a big decision
January 13, 2026
Priya
Good
Good and fast services
January 13, 2026
jagadeesh uppalapati
Super*****************
Super*****************
January 13, 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.