UK Loan & Debt Calculators

Personal loans, car finance, credit cards, student loans — UK credit products vary in headline APR, mandatory fees, and repayment structure. The calculators in this hub run amortisation maths on standard fixed-term loans, compare offers side-by-side on like-for-like APR (which captures interest plus mandatory arrangement fees, not just the headline rate), and build a multi-balance debt-payoff plan using either the snowball method or the avalanche method. Student loan repayments deserve special attention — the four UK plans (1, 2, 4, 5) have very different thresholds and write-off horizons, and Plan 5's 40-year term means a graduate could end up paying considerably more than they ever borrowed.