OPTIMLY calculators | Credit Card Switch & Overpayment Calculator

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Credit card calculator -
Overpayment benefit

Optimise your debt repayment strategy with our Switch & Overpay Credit Card Calculator. Input your initial balance, card APR, and terms to get a clear estimate of how long it will take to clear your balance and how much interest you'll be charged. Explore the benefits of making one-off and regular contributions and the impact of switching your balance to a card with a better rate. For greater control and customisation, try our advanced calculator here.

Inputs

CARD BALANCE:

APR, %:

MIN REPAYMENT, %:

MIN REPAYMENT, £:

MINIMUM REPAYMENT TYPE:

Make one-off overpayments

OVERPAYMENT AMOUNT:

ON DATE:

Make regular overpayments

OVERPAYMENT FREQUENCY:

CHANGE AMOUNT MID-PERIOD

REGULAR OVERPAYMENT:

FROM DATE:

Switch

BALANCE TRANSFER APR:

BALANCE TRANSFER FEE:

BALANCE TRANSFER PERIOD, MONTHS:

START DATE:

END DATE:

Advanced options

EXISTNG SPECIAL RATE, %:

UNTIL:

Result

TOTAL INTEREST

Repayment table