OPTIMLY calculators | Credit Card Switch & Overpayment Calculator

CALCULATOR FEEDBACK

Optimise your debt repayment with our Switch & Overpay Credit Card Calculator. Input your card details to estimate how long it will take to clear your balance and the interest charged. Explore the benefits of one-off and regular contributions and the impact of switching to a better-rate card. For more control and customisation, try our Advanced Credit Card Calculator.

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