Credit Card Calculators UK — Payoff, Balance Transfer & Rewards

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Cookie-Free.co.uk

Free UK financial calculators — please read before using this site

⚠️ Not Financial Advice

Cookie-Free.co.uk is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice, guidance or personal recommendations of any kind.

All calculators and tools on this site produce estimates for general information and illustration purposes only. Do not base any financial decision on these figures. Always seek advice from a qualified, FCA-authorised financial adviser before committing to any financial product or making significant financial decisions.

What Cookie-Free.co.uk is:

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Free calculators
Mortgage, pension, loan, savings, tax and more — all running locally in your browser

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Background information
Plain-English explanations of how financial products work — not advice on whether to use them

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Completely private
No data you enter is ever stored or transmitted — all calculations happen in your browser only

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Affiliate links
Some links to providers are sponsored and clearly marked. We may earn a small commission at no cost to you

What Cookie-Free.co.uk is not: a financial adviser · an IFA · a mortgage broker · a pension adviser · an insurance intermediary · a lender · a bank · FCA authorised or regulated. Results from our calculators are estimates only and may differ from figures provided by lenders, HMRC or financial institutions.

I understand that Cookie-Free.co.uk is not regulated by the FCA, does not provide financial advice, and that all calculator results are estimates for illustration only. I will seek qualified financial advice before making any significant financial decision.
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By continuing you confirm you have read and understood the above. Full Privacy Policy & Terms available on the site.

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Reward Cards Guide

Cashback, Avios, hotel points and companion vouchers — what is genuinely worth it and when the maths does not add up.

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Credit Card Payoff Calculator

See exactly how long it takes to clear your balance and the total interest you will pay.

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Balance Transfer Calculator

Is a 0% balance transfer worth it? Calculate the fee versus the interest saving.

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Minimum Payment Warning

See how long it takes and how much it costs if you only make the minimum monthly payment.

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Cookie-Free.co.uk is not FCA regulated and does not provide financial advice. For illustration only.