Credit Card Repayment Calculator

OLD VERSIONS BELOW

Version 3

Works like the MSE-style flow: keep the main inputs simple, with “Advanced options” for the extras. Figures are estimates (dividing by 12 and 52 for monthly/weekly views).

Supported: 1257L, 0T, BR, D0, D1, NT. (K codes treated as £0 allowance for an estimate.)
Advanced options

Student loans

Postgraduate is calculated in addition to any plan above.

Pension

If “% of salary”, enter 5 for 5%.

Additions and deductions

Affects Income Tax only (not usually NI).
Reduces tax + NI + student loan in this estimate.
Useful if you’re above state pension age or NI isn’t relevant.

X

Must be more than the monthly interest charge to clear the balance.