Credit Cards

Your credit card,
the real numbers.

Enter your current balance, APR, and monthly payment to see how much interest you're actually on track to pay — and how a balance transfer would compare. Free, calculates entirely in your browser, nothing sent to a server, and no specific card is ever named or recommended.

£
£
Every calculation runs entirely in your browser — the numbers you enter are never sent to a server or shared. We only keep a private note on this device that you've completed a check (no amounts, no rates), so your Financial Journey dashboard can reflect it.
What's Next
Understand the concepts behind these numbers

This calculator shows you the numbers — these pages explain what's actually behind them.

💳
Credit Cards Explained
What 0% purchase, balance transfer, and money transfer cards actually do, in plain English
→
📊
APR Explained
What APR actually means and how it's applied to your balance, with a quiz to check it lands
→
🎯
Debt Management
The avalanche vs. snowball methods for paying down debt, and which might suit you
→
⚠️ Important Disclaimer
AlfaFinances is an educational platform. This page explains how common types of credit cards generally work — it does not recommend, rank, compare, or endorse any specific card, provider, or issuer, and AlfaFinances has no partnership or affiliate relationship with any card provider. Terms, rates, fees, and product availability vary by provider and change over time — always check the current terms directly with the card issuer before applying. Nothing here constitutes financial advice; please do your own research and consult a qualified, licensed financial adviser before making any borrowing or credit decision. Read our full Privacy Policy & Legal Disclaimer →
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