Borrowing, made clearer

Personal Financing Total Cost Calculator

Short answer:Use BNPL only for a short purchase you can clear on schedule. For a larger cash need, compare personal loans by total repayment—not the headline rate.

● Checked 15 Jul 2026

Choose in 3 steps

Compare the cost, not the sales pitch

  1. Total amount you repay
  2. Monthly payment you can afford
  3. Late fees and repayment period

Calculator

Work it out with your numbers

Nothing you enter is saved or sent. Reloading the page clears it.

Indicative total repayment — Flat, effective and profit rates are not interchangeable; enter a sourced total cost for the scenario being checked.

What this answer does not do

Unlike products are not ranked by headline rate because BNPL and personal loans solve different problems.

Want to check our work?

We use only current official records. The comparison applies to the stated example or shortlist; it is not a promise that the first option fits everyone.

How comparisons workHow data is checked

Before you decide:Use the rate and fees actually offered to you before committing.