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Credit card repayment estimate

Assumes fixed monthly payment and constant annual rate; excludes fees.

Card balance (£)Annual interest rate (%)Monthly payment (£) Enter values and calculate.

How this estimate works

Estimates repayment months at a fixed annual rate and monthly payment; payments must exceed monthly interest.

Assumptions and limitations

Uses the figures you enter, without checking eligibility for any benefit or grant. Figures are estimates and may exclude tax, inflation, charges or changing rates unless explicitly included. Check the method and assumptions before making financial decisions.

Calculation takes place in your browser; the entries are not sent to PublicHelp. For eligibility estimates, consult GOV.UK benefits calculator guidance.