UK Debt Payoff Calculator
Add your credit cards, loans and overdrafts. Compare the snowball (smallest balance first) vs avalanche (highest interest first) strategy.
Your debts
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%
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Extra monthly payment
On top of all minimum payments — directs to your strategy's top target.
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Strategy comparison
❄️ Snowball
Smallest balance first — quick wins
Debt-free in
Total interest:
🏔️ Avalanche
Highest APR first — saves the most
Debt-free in
Total interest:
Avalanche saves you in interest.
Total balance over time
Struggling? Free, confidential UK debt advice
Charities like StepChange and National Debtline offer free, impartial advice. You should never pay for debt advice.
Typical UK APRs (2025): credit cards 24–35%, store cards up to 40%, personal loans 6–25%, authorised overdrafts ~40% EAR.
Many UK lenders offer 0% balance transfer cards — used carefully these can speed up payoff dramatically. Beware fees and end-of-promo rates.