CC Leverage Calculator

Buy on a 0% purchases card, invest the cash you'd have spent, pay the minimums, clear the card at the end.

Annual return is compounded monthly (0.597% per month at 7.4%).

Invested pot at end
£10,530
growth £2,030
Card balance to clear
£5,920
after £2,580 of minimums
Lump left over
£4,611
pot minus final payment
True net gain
£2,030
lump minus minimums paid
Plain saving instead
£2,888
same minimums invested directly
Edge from leverage
£1,723
lump vs plain saving
MonthStart balMin payEnd balGrowthPot
1 £8,500.00 £85.00 £8,415.00 £50.72 £8,550.72
2 £8,415.00 £84.15 £8,330.85 £51.02 £8,601.74
3 £8,330.85 £83.31 £8,247.54 £51.33 £8,653.07
4 £8,247.54 £82.48 £8,165.07 £51.63 £8,704.70
5 £8,165.07 £81.65 £8,083.42 £51.94 £8,756.64
6 £8,083.42 £80.83 £8,002.58 £52.25 £8,808.89
7 £8,002.58 £80.03 £7,922.56 £52.56 £8,861.45
8 £7,922.56 £79.23 £7,843.33 £52.88 £8,914.32
9 £7,843.33 £78.43 £7,764.90 £53.19 £8,967.52
10 £7,764.90 £77.65 £7,687.25 £53.51 £9,021.02
11 £7,687.25 £76.87 £7,610.38 £53.83 £9,074.85
12 £7,610.38 £76.10 £7,534.27 £54.15 £9,129.00
13 £7,534.27 £75.34 £7,458.93 £54.47 £9,183.47
14 £7,458.93 £74.59 £7,384.34 £54.80 £9,238.27
15 £7,384.34 £73.84 £7,310.50 £55.12 £9,293.39
16 £7,310.50 £73.10 £7,237.39 £55.45 £9,348.85
17 £7,237.39 £72.37 £7,165.02 £55.78 £9,404.63
18 £7,165.02 £71.65 £7,093.37 £56.12 £9,460.75
19 £7,093.37 £70.93 £7,022.43 £56.45 £9,517.20
20 £7,022.43 £70.22 £6,952.21 £56.79 £9,573.98
21 £6,952.21 £69.52 £6,882.69 £57.13 £9,631.11
22 £6,882.69 £68.83 £6,813.86 £57.47 £9,688.58
23 £6,813.86 £68.14 £6,745.72 £57.81 £9,746.39
24 £6,745.72 £67.46 £6,678.26 £58.16 £9,804.55
25 £6,678.26 £66.78 £6,611.48 £58.50 £9,863.05
26 £6,611.48 £66.11 £6,545.37 £58.85 £9,921.90
27 £6,545.37 £65.45 £6,479.91 £59.20 £9,981.10
28 £6,479.91 £64.80 £6,415.11 £59.56 £10,040.66
29 £6,415.11 £64.15 £6,350.96 £59.91 £10,100.57
30 £6,350.96 £63.51 £6,287.45 £60.27 £10,160.84
31 £6,287.45 £62.87 £6,224.58 £60.63 £10,221.47
32 £6,224.58 £62.25 £6,162.33 £60.99 £10,282.46
33 £6,162.33 £61.62 £6,100.71 £61.35 £10,343.81
34 £6,100.71 £61.01 £6,039.70 £61.72 £10,405.53
35 £6,039.70 £60.40 £5,979.31 £62.09 £10,467.62
36 £5,979.31 £59.79 £5,919.51 £62.46 £10,530.08