Model "stoozing": put everyday spend on a 0% card, keep your cash earning interest, and roll the debt via balance transfers. See the cash flow and ROI before you try it.
Your monthly spend
£
Petrol, groceries, bills — spend you'd make anyway, moved onto the card. The same amount goes into savings each month.
Purchase card (phase 1)
£
% of limit
Once the card balance hits this level, new spend reverts to cash/salary. Minimum payments and balance transfers continue as normal.
Keep topping up whenever there's room
Stop for good, first time only
"Keep topping up" treats your £/month as ongoing real spend — as minimum payments free up headroom below the ceiling, new spend refills it. "Stop for good" treats it as a one-off pot that's exhausted the first time it hits the ceiling.
months
% / mo
Balance transfer cycles (phase 2+)
months
% / mo
% of balance
Added to balance
Paid upfront in cash
"Added to balance" means the fee increases the debt but costs nothing today. "Cash" means you pay it separately each time you transfer.
Savings account
% / yr
When does the strategy end?
Run to zero
Fixed time
Target balance
Keep cycling balance transfers until minimum payments alone clear the debt to zero. (Capped at 40 years — you'll be warned if it hasn't cleared.)
years
Whatever the card balance is at this point, it's cleared in one go from savings.
£
Once minimum payments bring the balance down to this level, it's cleared in one go from savings.
Almost there
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Your Spend & Save strategy, month by month
Net benefit vs. paying cash
£0
Final savings balance minus any cash fees paid. Minimum payments aren't counted as a cost — they're just you repaying the spend you diverted onto the card.
Interest earned
£0
Minimum payments paid
£0
Fees paid (cash)
£0
Strategy length
0 mo
Final savings balance
£0
Outstanding card balance
£0
Annualised return (IRR)
0%
Simple ROI on cash fees paid
0%
Monthly cash flow
Mo
Spend on card
Card balance
Min payment
Savings deposit
Interest earned
Savings balance
Scroll sideways to see all columns · orange rows = balance transfer event
Assumptions: minimum payments are recalculated each month as a % of the current balance, and paid from salary (not from savings). Savings interest compounds monthly. This models one proxy path — it assumes you can keep refinancing onto new 0% cards at the same fee and promo length every time, which depends on your credit profile at the time and isn't guaranteed.