Calculators that show the working
Every calculator here runs on published provider rates, last checked 24 August 2026. No sign-up, and the working is shown with every result.
Card machine costs
Card machine fees calculator
Your card volume priced on published UK rates: SumUp, Zettle, Square and Dojo, transaction fees and hardware, per year. The formula is on the page.
Open calculatorCard machine savings calculator
Enter your monthly card turnover and current rate. We work out what the same volume costs on published rates across UK providers, line by line.
Open calculatorSavings & ROI calculator
Puts a switch in annual terms: what you pay now, what you would pay after, and how long any exit fee takes to earn back.
Open calculatorCost breakdowns by provider
Dojo cost breakdown
The published 1.2% applied at real volumes, hardware counted, and where the published price stops applying.
Open calculatorSumUp cost breakdown
Pay-as-you-go at 1.69% versus the £19/month plan, and the volume where the plan starts paying.
Open calculatorSquare cost breakdown
What 1.75% flat costs per year, and the volume where simple stops being cheap.
Open calculatorZettle cost breakdown
The 1.75% rate at real volumes, with the £29 first-reader offer counted.
Open calculatorBusiness funding
Business funding calculator
Repayments on a business loan at your amount, term and rate.
Open calculatorMerchant cash advance cost calculator
MCAs quote a factor rate, not an APR, which hides the true cost. This converts a factor rate into total repayable and cost of capital.
Open calculatorLoan vs merchant cash advance
The same amount borrowed both ways, side by side, so you can see which costs less for your takings.
Open calculatorLoan affordability calculator
What monthly repayment your turnover can realistically carry before you apply.
Open calculatorRather have a person run the numbers?
Send us a recent card processing statement and we will price it against all 17 providers we track. Free, and you keep the breakdown whether you switch or not.