Banking & Payments calculators
Small recurring charges add up. These calculators show the annual reality of banking and taking card payments.
- Business Bank Account Cost CalculatorAdd up monthly fees, transfers and cash deposits to see your real banking cost.
- Card Processing Fee CalculatorWhat card payments cost you each month, and what a different rate would cost.
What these calculators help with
Business banking and card processing are priced in fragments: a monthly fee here, a few pence per transfer there, a percentage of every card sale, plus a terminal rental. Individually they look trivial; over a year they can be one of your larger overheads. Enter your own charges to see the total, split by category, and compare what a different card processing rate would cost you.
Who they are for
For small businesses reviewing an existing account or tariff, and for new businesses choosing how to take payment. No provider names or offers are shown — you enter your own charges, which keeps the answers accurate whoever you bank with.
How they fit together
The bank account calculator totals the fixed and per-item charges on your account over a year; the card processing calculator does the same for card sales and produces an effective rate you can compare against another quote. Because processing fees come straight off the top of every sale, the result also feeds naturally into your gross margin.