Compare current statement costs with a provider quote and download a transparent monthly, annual and break-even decision record.
Turn a current statement and a written alternative quote into a downloadable decision record with recurring costs, period savings and break-even.
The current arrangement uses the total fees actually paid. The quote combines its percentage, per-transaction and monthly charges, then adds setup and exit costs across the selected period. Break-even is the first whole month in which recurring savings recover those one-off costs.
The values pre-filled above are examples only. Replace every figure with your own provider quote, statement and operating assumptions.
If the current statement shows £180 monthly fees and a quote would cost £150 each month, the recurring saving is £30. With £120 of setup and exit costs, simple break-even is month four and a twelve-month comparison shows £240 net saving.
No. It explains the price arithmetic only. Contract terms, card mix, settlement, support and operational disruption still matter.
They provide an observed baseline. Check whether the month is representative and whether exceptional or annual charges need a separate scenario.
Run a quiet, normal and busy scenario. Record the source and date of every input, keep one-off and recurring charges separate, and compare settlement timing, support, contract length and exit terms as well as price. A small numerical advantage is not useful if it depends on an unrealistic card mix or turnover.
A calculator can make pricing easier to compare, but it cannot reproduce every provider rule. Run more than one scenario and check the result against the actual contract, price list or statement before making a decision.