Affordit tool

Credit Card Repayment

See what a planned payment could mean for the balance, interest and your real monthly headroom before using credit.

Add the card details

Use the statement balance and rate. This does not access your card account.

Balance or planned purchase

Annual interest rate

0% promotional period

months

Planned monthly payment

Target repayment time

months

Minimum payments vary by provider. The estimate shown here is illustrative and should be checked against the card terms.

Repayment reality

27 months to clear

Needed for target

£160/month

Illustrative minimum

£92/month

Balance after promotion

£3,000

Estimated interest

£916

Connect My Reality to compare this payment with your typical and lowest-month headroom.

Check this in a full plan Set up My Reality

This is a planning estimate, not credit or debt advice. Rates, fees and minimum-payment rules vary. If repayments are difficult, contact the provider or a free debt-advice service.