Debt Free Calculator
Estimate how long a balance could take to repay using your balance, APR and monthly payment. This is a mathematical illustration, not financial advice.
The figures you enter are calculated in your browser and are not sent to us.
What the calculation assumes
The illustration assumes the APR remains constant, you make the same monthly payment, no new borrowing is added, and there are no extra fees or missed payments. Real credit agreements can behave differently.
What it cannot tell you
It cannot tell you whether you should repay faster, enter a formal debt solution, change payments or prioritise one creditor over another. Those questions can depend on your full circumstances and may require regulated debt advice.
Do not rely on a repayment calculator alone. MoneyHelper can help you find free debt advice.