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.
Justkelly
Very easy application
Very easy application, also money was received the next day when expected it to take longer. Interest lower than my other borrowing so easy consolidation
October 13, 2025
Josef Prochazka
We are good customer care
We are good customer care. I had some issues with the mobile app and links that were sent to me but all was resolved very quickly. I also found all advisors ver friendly and responsive.
October 13, 2025
M. C
Easy application with sensible checks…
Easy application with sensible checks and all well explained, great communication throughout
October 12, 2025
Andy Knowles
Significantly reduced my outgoings
Really simple to apply by linking my bank account and entering a fee simple details updraft worked out exactly what I owed offerd me that amount and it was paid into my account within a few days si...
October 12, 2025
Viki Walsh
Fast easy process
Fast easy process Can’t recommend enough
October 12, 2025
Lee Higgins
Amazing service and very easy to…
Amazing service and very easy to navigate. Thank you so much
October 12, 2025
Julie
Helpful and friendly
I found the whole process easy to follow and I always received friendly and reassuring advice
October 11, 2025
Abimbola Opeseitan
It was a seamless process
It was a seamless process, form filled in online and in a couple of days the application had been approved. Very professional
October 11, 2025
Carolyn Ellis
Excellent easy to use service
Excellent easy to use service
October 11, 2025
Laura Arthur
Friendly service and a fair review of…
Friendly service and a fair review of credit based on earnings and not solely credit score.
October 11, 2025
Jamie Williams
Hassle free
Very smooth experience, went through the process thoroughly and quickly and the app is very user friendly
October 10, 2025
Consumer
Amazing loan provider I couldn’t ask…
Amazing loan provider I couldn’t ask for more! The process was very straightforward and easy to get approved.
October 10, 2025
Lina
Excellent service
Very easy application process, quick and simple transfer of funds and really clear information about repayments and interest. I would recommend Updraft!
October 10, 2025
Sarah Lovell
Fantastic company
Fantastic company , so quick and easy to use , full communication all the way
October 9, 2025
Gavin
Easy way to get a loan
Easy way to get a loan, no fuss, simple application and a decision in literally minutes
October 9, 2025
Suzanne Silcock
Fast efficient
Fast efficient
October 9, 2025
Aron Pearson
Simple and straight forward service…
Simple and straight forward service with. Clear information. App is useful
October 9, 2025
Paul
Very sleek application process
Very sleek application process, fast decision and easy to set up the funds you require and term in simple steps. Now feel relief that I can clear my Overdraft and keep and eye on payments without j...
October 9, 2025
Asa Lyth
Quick decision
Quick decision
October 8, 2025
Chloe Hart
quick and easy and fast application
quick and easy and fast application, really good way and opportunity to clear existing debt and pay less monthly. i’m really excited to be in a better place when it comes to money, all with the hel...
October 8, 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.