Loan & Borrowing Calculators UK
Reviewed against official UK sources by the FreeCalculator editorial team Methodology Editorial policy
Borrowing is easy to arrange and hard to compare. These tools show the real cost of a debt — the monthly payment, the total interest, and how much faster you could be free of it — so you can borrow with your eyes open.
Every result is an estimate for guidance; your actual rate depends on the lender and your credit profile.
Personal loans
The headline on a loan is the monthly payment, but the number that matters is the total interest over the term. Use the Loan Calculator to see both, then the Loan Early Repayment Calculator to check how much overpaying — or clearing the balance early — could save, after any early-repayment charge.
Credit cards
Paying only the minimum on a credit card can stretch a balance over decades and multiply the interest. The Credit Card Repayment Calculator shows how long you’ll be paying and how much a fixed monthly payment — even a small increase — cuts both the time and the cost.
Car finance
PCP, HP and leasing look similar on the forecourt but cost very differently over time and leave you in different positions at the end. The PCP vs HP vs Lease Calculator compares the monthly payment and total cost of each so you can pick the right one.
Guides
In-depth, plain-English guides that go deeper than the calculators.
Credit card minimum payments explained
Why minimum payments stretch a £3,000 balance to 28 years and £5,998 of interest — and how a simple fixed payment collapses both.
Read guide →PCP vs HP vs leasing explained
The three finance routes compared on the same £25,000 car — monthly cost vs true cost — plus the balloon and mileage traps.
Read guide →Frequently asked questions
- Which borrowing calculator should I use?
- For a personal loan, start with the Loan Calculator; to check the benefit of overpaying, use the Loan Early Repayment Calculator. For card debt use the Credit Card Repayment Calculator, and for a vehicle use the PCP vs HP vs Lease Calculator.
- What does APR mean?
- APR (annual percentage rate) is the yearly cost of borrowing including interest and standard fees, which makes deals easier to compare. Each calculator explains how it uses the rate you enter.
- Do the calculators show the total interest, not just the monthly payment?
- Yes. Every borrowing tool shows the total interest and total amount repaid over the term, not just the monthly figure — usually the more important number.
- Will overpaying always save money?
- Usually, because you clear the balance sooner and pay less interest — but some agreements charge an early-repayment fee. The Loan Early Repayment Calculator lets you factor that in.
Results are estimates for guidance only and are not financial advice. See each calculator page for its worked example, sources and the date its rates were last verified.