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.
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
CD
Easy application, money paid in quickly and all...
Easy application, quick acceptance and money was paid in a couple of days later. Great interest rate, I’ve consolidated all my existing debt into one affordable monthly repayment which feels brilli...
October 24, 2025
Charles
Brillaint
Quick and efficient
October 24, 2025
Sharon Sithole
Very helpful and easy steps to follow…
Very helpful and easy steps to follow throughout the application process.Special mention to Ashley for the support throughout.
October 24, 2025
Shak
Such an easy and uncomplicated…
Such an easy and uncomplicated application process. And the funds were in my account next day! I’ve used updraft previously and wouldn’t hesitate to use them again. Highly recommend.
October 24, 2025
Sharron
So easy and straightforward from start…
So easy and straightforward from start to finish
October 23, 2025
Martin Elliot
Great fast service
Great fast service, approved within minutes and funds transferred within 48 hours
October 23, 2025
Gary
Updraft say yes!
I’ve been turned down for credit to Consolidate all my cards into one affordable monthly payment so many times and was beginning to give up hope until I discovered Updraft, within minutes of the ea...
October 23, 2025
shah uddin
I found that the application was very…
I found that the application was very easy and stress free. Communication was fast and clear. The transaction was quick and information was conducted throughout every stage in a nice friendly manner.
October 22, 2025
Gary
Very smooth professional service.
Very smooth professional service.
October 22, 2025
Marie barnard
I have been in persistent debt for…
I have been in persistent debt for years and this now means thanks to updraft I can see light at the end of the tunnel . Thankyou !
October 22, 2025
SARAH
Quick and easy application and descion.
Quick and easy application and descion.
October 22, 2025
Michael Woods
So easy and unitrusive to navigate
So easy and unitrusive to navigate. Would thoroughly recommend.
October 21, 2025
Dan East
Extremely easy and efficient
Extremely easy and efficient. Will recommend to others
October 21, 2025
customer
Can’t thank updraft enough for helping…
Can’t thank updraft enough for helping me
October 21, 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.