Loans and Borrowing Planner

Borrowing Repayment Report

Model fixed loans, early repayment choices, and 0% store credit deadlines before they affect cashflow.

Borrowing tracked

£8,700

Original loan and store credit amounts

Selected monthly

£286

Combined planned monthly payments

Projected interest

£1,165

£10 early repayment charges

Plans tracked

Fixed loans and BNPL/store credit

Loans and Borrowing

Track fixed loans, early repayment scenarios, and 0% store credit deadlines.

Fixed Term Loan

Borrowed £7,500 over 48 months. Starts 1 May 2026.

Monthly payment

£186

Total paid

£8,675

Interest saved

£267

Payoff

Oct 2029

Reduced-term scenario clears about 6 months earlier.

Monthly projection

Showing months 1 to 12 of 42.

Page 1 of 4

Month	Opening	Interest	Payment	Lump Sum	Charge	Closing
May 2026	£7,500	£56	£186	£0	£0	£7,369
Jun 2026	£7,369	£55	£186	£0	£0	£7,238
Jul 2026	£7,238	£54	£186	£0	£0	£7,105
Aug 2026	£7,105	£53	£186	£0	£0	£6,972
Sep 2026	£6,972	£52	£186	£0	£0	£6,837
Oct 2026	£6,837	£51	£186	£0	£0	£6,701
Nov 2026	£6,701	£50	£186	£0	£0	£6,565
Dec 2026	£6,565	£49	£186	£0	£0	£6,427
Jan 2027	£6,427	£48	£186	£0	£0	£6,289
Feb 2027	£6,289	£47	£186	£0	£0	£6,149
Mar 2027	£6,149	£46	£186	£0	£0	£6,008
Apr 2027	£6,008	£45	£186	£1,000	£10	£4,867

Buy Now Pay Later

Borrowed £1,200 over 36 months. Starts 1 May 2026.

Monthly payment

£100

Total paid

£1,200

0% balance risk

£0

Payoff

Apr 2027

Monthly projection

Showing months 1 to 12 of 12.

Page 1 of 1

Month	Opening	Interest	Payment	Lump Sum	Charge	Closing
May 2026	£1,200	£0	£100	£0	£0	£1,100
Jun 2026	£1,100	£0	£100	£0	£0	£1,000
Jul 2026	£1,000	£0	£100	£0	£0	£900
Aug 2026	£900	£0	£100	£0	£0	£800
Sep 2026	£800	£0	£100	£0	£0	£700
Oct 2026	£700	£0	£100	£0	£0	£600
Nov 2026	£600	£0	£100	£0	£0	£500
Dec 2026	£500	£0	£100	£0	£0	£400
Jan 2027	£400	£0	£100	£0	£0	£300
Feb 2027	£300	£0	£100	£0	£0	£200
Mar 2027	£200	£0	£100	£0	£0	£100
Apr 2027	£100	£0	£100	£0	£0	£0