Annual vs Monthly – Multi‑Contract Optimiser
Add all your policies (car, home, pet, breakdown, etc.). For each one, enter the annual price and either the insurer’s **monthly amount** or **their APR**.
Policy name
Annual £
Monthly £ (if given)
APR % (if given)
Assume monthly method
Qty
Total if paid **annually upfront**
£0
Total if **monthly via insurer**
£0
Total via **0% card** + self‑repay
£0
Save £0 vs monthly
Save £0 vs 0% card
Bars show **combined cost** for all contracts: Annual upfront vs Insurer monthly vs 0% card strategy. 0% strategy assumes you repay monthly and includes revert APR if promo ends before you finish.