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?
25.9% APR Representative based on a £10,000 loan over 60 months at 20.40% fixed interest p.a. Monthly repayment: £283.20. Total repayable: £16,992 (inc. £600 fee). Subject to status and affordability. Consolidating debt may increase the term and total amount repaid. All figures are representative and based upon an assessment of credit and affordability. Terms and conditions apply.
From 15.3% to 41.2% APR, £1,000–£25,000, over 2–5 years available.
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.
Jody Harris
Easy to use website and process
Easy to use website and process
October 14, 2026
Ovidiu Goga
Quick affordable and life saving rates…
Quick affordable and life saving rates compared to all my other options
October 14, 2026
Bradley
Very easy application and very easy to…
Very easy application and very easy to use
October 14, 2026
Miss SC
Very satisfied with the process
Easy to apply, received a quick decision to my application & the money was in my account a lot earlier than I expected. Also received clear instruction regarding the direct debit.
October 14, 2026
Skonzapi Ndhlovu
Great loan.
Great loan with low interest. Excellent service as well. Very happy!
October 13, 2026
Nirosha Vitharana
It’s so helpful
It’s so helpful. With in 30 seconds I got result. Excellent. No more paper work .
October 13, 2026
Tim WATSON
Great service
Great service
October 13, 2026
Liam King
Quick and easy
Quick and straightforward application, affordable repayments. Friendly and welcoming service
October 13, 2026
Sean
Quick
Quick, easy and helpful
October 13, 2026
WASIU AGBOKE
So satisfied
So satisfied
October 12, 2026
Terence McKay
Great experience would recommend
Great experience would recommend
October 12, 2026
Ian White
Just excellent 👌
Just excellent 👌
October 12, 2026
Customer
The process is straightforward and the rates ar...
The process to apply was easy and straightforward.
October 12, 2026
Tee A
Easy application process
Application process was very straightforward. Service has been very positive and convenient. Loan has been very helpful in managing my other financial commitments and reducing interest paid overa...
October 12, 2026
Jennifer
Process was really easy and well…
Process was really easy and well explained
October 12, 2026
Debbie Dickie
Good & quite straight forward…
Good & quite straight forward application. Answer within minutes. Good website with sufficient information.
October 11, 2026
Umran Hussain
Very quick and smooth process and…
Very quick and smooth process and decent rate as well!!
October 11, 2026
Erica AL jaloud
Quick
Quick!!!!!
October 11, 2026
Taimoor Amin
Great experience
Great experience
October 11, 2026
Loraine Olah
True review
It was straight forward easy to follow very helpful and very secure
October 11, 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.