Tesco Personal Loan Calculator
Free Tesco Bank personal loan calculator UK to calculate monthly payments, loan eligibility, repayment schedules, overpayment savings, and loan terms. Plan your Tesco personal loan with instant results for 2025.
Loan Details
Summary
Payment Schedule
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | 1 November 2025 | £10,000.00 | £137.88 | £62.50 | £0.00 | £200.38 | £9,862.12 |
| 2 | 1 December 2025 | £9,862.12 | £138.74 | £61.64 | £0.00 | £200.38 | £9,723.38 |
| 3 | 1 January 2026 | £9,723.38 | £139.61 | £60.77 | £0.00 | £200.38 | £9,583.77 |
| 4 | 1 February 2026 | £9,583.77 | £140.48 | £59.90 | £0.00 | £200.38 | £9,443.29 |
| 5 | 1 March 2026 | £9,443.29 | £141.36 | £59.02 | £0.00 | £200.38 | £9,301.93 |
| 6 | 1 April 2026 | £9,301.93 | £142.24 | £58.14 | £0.00 | £200.38 | £9,159.69 |
| 7 | 1 May 2026 | £9,159.69 | £143.13 | £57.25 | £0.00 | £200.38 | £9,016.56 |
| 8 | 1 June 2026 | £9,016.56 | £144.03 | £56.35 | £0.00 | £200.38 | £8,872.53 |
| 9 | 1 July 2026 | £8,872.53 | £144.93 | £55.45 | £0.00 | £200.38 | £8,727.61 |
| 10 | 1 August 2026 | £8,727.61 | £145.83 | £54.55 | £0.00 | £200.38 | £8,581.77 |
| 11 | 1 September 2026 | £8,581.77 | £146.74 | £53.64 | £0.00 | £200.38 | £8,435.03 |
| 12 | 1 October 2026 | £8,435.03 | £147.66 | £52.72 | £0.00 | £200.38 | £8,287.37 |
| 13 | 1 November 2026 | £8,287.37 | £148.58 | £51.80 | £0.00 | £200.38 | £8,138.79 |
| 14 | 1 December 2026 | £8,138.79 | £149.51 | £50.87 | £0.00 | £200.38 | £7,989.27 |
| 15 | 1 January 2027 | £7,989.27 | £150.45 | £49.93 | £0.00 | £200.38 | £7,838.83 |
| 16 | 1 February 2027 | £7,838.83 | £151.39 | £48.99 | £0.00 | £200.38 | £7,687.44 |
| 17 | 1 March 2027 | £7,687.44 | £152.33 | £48.05 | £0.00 | £200.38 | £7,535.11 |
| 18 | 1 April 2027 | £7,535.11 | £153.29 | £47.09 | £0.00 | £200.38 | £7,381.82 |
| 19 | 1 May 2027 | £7,381.82 | £154.24 | £46.14 | £0.00 | £200.38 | £7,227.58 |
| 20 | 1 June 2027 | £7,227.58 | £155.21 | £45.17 | £0.00 | £200.38 | £7,072.37 |
| 21 | 1 July 2027 | £7,072.37 | £156.18 | £44.20 | £0.00 | £200.38 | £6,916.19 |
| 22 | 1 August 2027 | £6,916.19 | £157.15 | £43.23 | £0.00 | £200.38 | £6,759.04 |
| 23 | 1 September 2027 | £6,759.04 | £158.14 | £42.24 | £0.00 | £200.38 | £6,600.91 |
| 24 | 1 October 2027 | £6,600.91 | £159.12 | £41.26 | £0.00 | £200.38 | £6,441.78 |
| 25 | 1 November 2027 | £6,441.78 | £160.12 | £40.26 | £0.00 | £200.38 | £6,281.66 |
| 26 | 1 December 2027 | £6,281.66 | £161.12 | £39.26 | £0.00 | £200.38 | £6,120.54 |
| 27 | 1 January 2028 | £6,120.54 | £162.13 | £38.25 | £0.00 | £200.38 | £5,958.42 |
| 28 | 1 February 2028 | £5,958.42 | £163.14 | £37.24 | £0.00 | £200.38 | £5,795.28 |
| 29 | 1 March 2028 | £5,795.28 | £164.16 | £36.22 | £0.00 | £200.38 | £5,631.12 |
| 30 | 1 April 2028 | £5,631.12 | £165.18 | £35.19 | £0.00 | £200.38 | £5,465.94 |
| 31 | 1 May 2028 | £5,465.94 | £166.22 | £34.16 | £0.00 | £200.38 | £5,299.72 |
| 32 | 1 June 2028 | £5,299.72 | £167.26 | £33.12 | £0.00 | £200.38 | £5,132.46 |
| 33 | 1 July 2028 | £5,132.46 | £168.30 | £32.08 | £0.00 | £200.38 | £4,964.16 |
| 34 | 1 August 2028 | £4,964.16 | £169.35 | £31.03 | £0.00 | £200.38 | £4,794.81 |
| 35 | 1 September 2028 | £4,794.81 | £170.41 | £29.97 | £0.00 | £200.38 | £4,624.39 |
| 36 | 1 October 2028 | £4,624.39 | £171.48 | £28.90 | £0.00 | £200.38 | £4,452.92 |
| 37 | 1 November 2028 | £4,452.92 | £172.55 | £27.83 | £0.00 | £200.38 | £4,280.37 |
| 38 | 1 December 2028 | £4,280.37 | £173.63 | £26.75 | £0.00 | £200.38 | £4,106.74 |
| 39 | 1 January 2029 | £4,106.74 | £174.71 | £25.67 | £0.00 | £200.38 | £3,932.03 |
| 40 | 1 February 2029 | £3,932.03 | £175.80 | £24.58 | £0.00 | £200.38 | £3,756.23 |
| 41 | 1 March 2029 | £3,756.23 | £176.90 | £23.48 | £0.00 | £200.38 | £3,579.32 |
| 42 | 1 April 2029 | £3,579.32 | £178.01 | £22.37 | £0.00 | £200.38 | £3,401.31 |
| 43 | 1 May 2029 | £3,401.31 | £179.12 | £21.26 | £0.00 | £200.38 | £3,222.19 |
| 44 | 1 June 2029 | £3,222.19 | £180.24 | £20.14 | £0.00 | £200.38 | £3,041.95 |
| 45 | 1 July 2029 | £3,041.95 | £181.37 | £19.01 | £0.00 | £200.38 | £2,860.58 |
| 46 | 1 August 2029 | £2,860.58 | £182.50 | £17.88 | £0.00 | £200.38 | £2,678.08 |
| 47 | 1 September 2029 | £2,678.08 | £183.64 | £16.74 | £0.00 | £200.38 | £2,494.44 |
| 48 | 1 October 2029 | £2,494.44 | £184.79 | £15.59 | £0.00 | £200.38 | £2,309.65 |
| 49 | 1 November 2029 | £2,309.65 | £185.94 | £14.44 | £0.00 | £200.38 | £2,123.71 |
| 50 | 1 December 2029 | £2,123.71 | £187.11 | £13.27 | £0.00 | £200.38 | £1,936.60 |
| 51 | 1 January 2030 | £1,936.60 | £188.28 | £12.10 | £0.00 | £200.38 | £1,748.33 |
| 52 | 1 February 2030 | £1,748.33 | £189.45 | £10.93 | £0.00 | £200.38 | £1,558.87 |
| 53 | 1 March 2030 | £1,558.87 | £190.64 | £9.74 | £0.00 | £200.38 | £1,368.24 |
| 54 | 1 April 2030 | £1,368.24 | £191.83 | £8.55 | £0.00 | £200.38 | £1,176.41 |
| 55 | 1 May 2030 | £1,176.41 | £193.03 | £7.35 | £0.00 | £200.38 | £983.38 |
| 56 | 1 June 2030 | £983.38 | £194.23 | £6.15 | £0.00 | £200.38 | £789.15 |
| 57 | 1 July 2030 | £789.15 | £195.45 | £4.93 | £0.00 | £200.38 | £593.70 |
| 58 | 1 August 2030 | £593.70 | £196.67 | £3.71 | £0.00 | £200.38 | £397.03 |
| 59 | 1 September 2030 | £397.03 | £197.90 | £2.48 | £0.00 | £200.38 | £199.13 |
| 60 | 1 October 2030 | £199.13 | £199.13 | £1.24 | £0.00 | £200.38 | £0.00 |
About Tesco Personal Loan Calculator
The Tesco personal loan calculator is a comprehensive financial tool designed to help UK residents plan and manage their personal loans from Tesco Bank. Whether you're considering a new loan application, planning to make extra payments, or exploring repayment strategies, this calculator provides accurate calculations and detailed insights into your borrowing options.
Tesco Bank offers competitive personal loan rates for UK customers, with loan amounts ranging from £1,000 to £35,000 and flexible repayment terms from one to seven years. The calculator helps you explore various loan scenarios, including standard repayment schedules, overpayment strategies, eligibility assessments, and loan term calculations. It supports both individual and joint loan applications, making it suitable for couples or co-applicants seeking higher borrowing limits.
One of the key features of Tesco Bank personal loans is the ability to make overpayments without penalties. Our overpayment calculator helps you visualize how extra monthly payments or one-time lump sum payments can reduce your loan term and save significant interest costs. By adjusting the repayment parameters, you can see the impact on your total interest paid and the time saved on your loan term.
The repayment calculator allows you to determine how long it will take to repay your loan based on your monthly payment amount. This is particularly useful if you have a specific monthly budget in mind and want to understand the loan term implications. Simply enter your loan amount, interest rate, and desired monthly payment to see the repayment timeline.
The "How Long Does It Take" calculator provides another perspective, helping you understand the loan term required when you know both the loan amount and your monthly payment capacity. This feature is valuable for planning purposes, allowing you to see how different loan amounts affect the repayment period at your preferred monthly payment level.
The eligibility calculator component allows you to assess your borrowing capacity based on your annual income, monthly expenses, and existing debts. It calculates your debt-to-income ratio and provides guidance on whether your desired loan amount is affordable. For joint applications, you can input both applicants' incomes to see how combining incomes affects your eligibility and maximum borrowing capacity. The calculator considers your monthly expenses and existing debt obligations to provide a realistic assessment of affordability.
The interest rates section provides information about Tesco Bank's typical personal loan rates, which vary based on loan amount, term length, and individual credit profiles. Representative APR rates typically range from 3.9% to 29.9%, with better rates available for larger loan amounts and shorter terms. The rates are indicative and subject to individual credit assessment, but they provide a useful reference point for planning your loan application.
All calculations are based on standard amortization formulas and assume fixed interest rates throughout the loan term. The payment schedule shows month-by-month breakdowns of principal, interest, and remaining balance, giving you complete transparency into your loan structure. You can export the payment schedule to CSV format for further analysis or record-keeping, making it easy to track your loan progress over time.
This calculator is designed specifically for Tesco Bank personal loans in the UK and uses GBP currency formatting. It's suitable for planning personal loans for various purposes, including home improvements, debt consolidation, holidays, weddings, and other personal expenses. The tool is free to use and provides instant results, helping you make informed financial decisions without the need for complex spreadsheets or manual calculations.
Whether you're a first-time borrower or looking to optimize your existing loan, the Tesco personal loan calculator provides the insights you need to manage your debt effectively. Use it to compare different loan scenarios, plan your repayments, understand the financial implications of various borrowing and repayment strategies, and make confident decisions about your personal loan needs.