Once you enter the balance on the card, the APR and the monthly payment you’re making just hit calculate. On the right hand side you will see a total repayable and an estimated number of months until the card is paid off.

You can then adjust the monthly payment to show you what difference making overpayments can make to the interest you repay and the time it takes to clear.

You can also change the APR to 0% to see what a balance transfer to a 0% card would make to your repayment term.