Loan & borrowing calculator
Personal loans, car finance, credit card payoff, and max borrowing from your income — with 2026 typical APRs for the UK.
How this works
Personal and car loans use the standard amortising formula. PCP-style car finance splits the balance into an amortising portion and a balloon left at the end — interest on the balloon is charged monthly. Credit card payoff simulates monthly interest on the remaining balance with a fixed payment; if the payment is below monthly interest, the balance never clears.
Max borrowing applies each country's DTI guideline (40% in the UK) against your gross income, subtracts existing monthly commitments, then works backwards to a principal at a typical 8.9% APR over 5 years.
Estimates only. Actual offers depend on credit history, income verification and lender criteria.