Pay Small Small Calculator

Get the Hubtel App to use Pay Small Small

Buy food, groceries and health essentials, or pay bills now and pay back a little each day.

Activate Pay Small Small Learn More

See what you’ll pay day-by-day

Select what you’re paying for and enter a purchase amount to see your upfront payment, daily amount and total cost.

What are you paying for?

What are you paying for?

Select a service

Band: GHS 100.01 – 300.00 Upfront: 10.00% Interest: 4.50%

Purchase Amount

Payback Breakdown

Cost of credit

GHS6.75/ 4.50%

Total to repay

GHS156.75

No of instalments

20

No of days

20 days

Pay today

GHS15.68

10.00% at checkout

Then per day

GHS7.05

for 20 days · last GHS 7.06

Day-by-day schedule

20 days 21 debits

Today 19th Oct, 2026

GHS 15.68

Balance left: GHS 141.07

Day 1 20th Oct, 2026

GHS 7.05

Balance left: GHS 134.02

Day 2 21st Oct, 2026

GHS 7.05

Balance left: GHS 126.97

Day 3 22nd Oct, 2026

GHS 7.05

Balance left: GHS 119.92

Day 4 23rd Oct, 2026

GHS 7.05

Balance left: GHS 112.87

Day 5 24th Oct, 2026

GHS 7.05

Balance left: GHS 105.82

Day 6 25th Oct, 2026

GHS 7.05

Balance left: GHS 98.77

Day 7 26th Oct, 2026

GHS 7.05

Balance left: GHS 91.72

Day 8 27th Oct, 2026

GHS 7.05

Balance left: GHS 84.67

Day 9 28th Oct, 2026

GHS 7.05

Balance left: GHS 77.62

Day 10 29th Oct, 2026

GHS 7.05

Balance left: GHS 70.57

Day 11 30th Oct, 2026

GHS 7.05

Balance left: GHS 63.52

Day 12 31st Oct, 2026

GHS 7.05

Balance left: GHS 56.47

Day 13 1st Nov, 2026

GHS 7.05

Balance left: GHS 49.42

Day 14 2nd Nov, 2026

GHS 7.06

Balance left: GHS 42.36

Day 15 3rd Nov, 2026

GHS 7.06

Balance left: GHS 35.30

Day 16 4th Nov, 2026

GHS 7.06

Balance left: GHS 28.24

Day 17 5th Nov, 2026

GHS 7.06

Balance left: GHS 21.18

Day 18 6th Nov, 2026

GHS 7.06

Balance left: GHS 14.12

Day 19 7th Nov, 2026

GHS 7.06

Balance left: GHS 7.06

Show

20 of 21 records

Ready to pay small small?

All payback bands

Bands are managed in the Excel workbook (PSS_Merchant_Payback_Calculator_3.xlsx). Changes save in SharePoint and appear on the next page load.

Last loaded 19 Oct 2026, 2:41 pm

Airtime & Internet Data

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10.00	0	Pay in full	Pay in full	Pay in full
10.01	50.00	7	6	20.00	2.46
50.01	100.00	12	11	15.00	4.22
100.01	200.00	23	22	10.00	8.10
200.01	300.00	35	34	5.00	12.32
300.01	500.00	62	61	5.00	21.82
500.01	750.00	104	103	5.00	36.61
750.01	1,000.00	156	155	5.00	54.91
1,000.01	1,500.00	23	22	5.00	8.10

✓ Covers every amount, no gaps

Insurance

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10.00	0	Pay in full	Pay in full	Pay in full
10.01	50.00	7	6	20.00	2.46
50.01	100.00	12	11	15.00	4.22
100.01	200.00	23	22	10.00	8.10
200.01	300.00	35	34	5.00	12.32
300.01	500.00	62	61	5.00	21.82
500.01	750.00	104	103	5.00	36.61
750.01	1,000.00	156	155	5.00	54.91
1,000.01	2,000.00	23	22	5.00	8.10
2,000.01	3,000.00	35	34	5.00	12.32

✓ Covers every amount, no gaps

ECG

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10.00	0	Pay in full	Pay in full	Pay in full
10.01	50.00	7	6	20.00	2.46
50.01	100.00	12	11	15.00	4.22
100.01	200.00	23	22	10.00	8.10
200.01	300.00	35	34	5.00	12.32
300.01	500.00	62	61	5.00	21.82
500.01	750.00	104	103	5.00	36.61
750.01	1,000.00	156	155	5.00	54.91
1,000.01	2,000.00	23	22	5.00	8.10

✓ Covers every amount, no gaps

Ghana Water

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10.00	0	Pay in full	Pay in full	Pay in full
10.01	50.00	7	6	20.00	2.46
50.01	100.00	12	11	15.00	4.22
100.01	200.00	23	22	10.00	8.10
200.01	300.00	35	34	5.00	12.32
300.01	500.00	62	61	5.00	21.82
500.01	750.00	104	103	5.00	36.61
750.01	1,000.00	156	155	5.00	54.91
1,000.01	2,000.00	23	22	5.00	8.10

✓ Covers every amount, no gaps

DSTV / GoTV / StarTimes

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10.00	0	Pay in full	Pay in full	Pay in full
10.01	50.00	7	6	20.00	2.46
50.01	100.00	12	11	15.00	4.22
100.01	200.00	23	22	10.00	8.10
200.01	300.00	35	34	5.00	12.32
300.01	500.00	62	61	5.00	21.82
500.01	750.00	104	103	5.00	36.61
750.01	1,000.00	156	155	5.00	54.91
1,000.01	2,000.00	23	22	5.00	8.10

✓ Covers every amount, no gaps

Food from Restaurants

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10.00	0	Pay in full	Pay in full	Pay in full
10.01	50.00	7	6	20.00	2.46
50.01	100.00	12	11	15.00	4.22
100.01	200.00	23	22	10.00	8.10
200.01	300.00	35	34	5.00	12.32
300.01	500.00	62	61	5.00	21.82
500.01	750.00	104	103	5.00	36.61
750.01	1,000.00	156	155	5.00	54.91
1,000.01	2,000.00	23	22	5.00	8.10
2,000.01	3,000.00	35	34	5.00	12.32

✓ Covers every amount, no gaps

Items from Stores

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10.00	0	Pay in full	Pay in full	Pay in full
10.01	50.00	7	6	20.00	2.46
50.01	100.00	12	11	15.00	4.22
100.01	200.00	23	22	10.00	8.10
200.01	300.00	35	34	5.00	12.32
300.01	500.00	62	61	5.00	21.82
500.01	750.00	104	103	5.00	36.61
750.01	1,000.00	156	155	5.00	54.91
1,000.01	2,000.00	23	22	5.00	8.10
2,000.01	3,000.00	35	34	5.00	12.32

✓ Covers every amount, no gaps

Frequently Asked Questions

Have a question? We're here to help.

The Pay Small Small calculator lets you estimate your daily repayments before you buy anything on Hubtel. Enter the service type (food delivery, airtime, data, ECG, DSTV, Ghana Water, or insurance) and your purchase amount, and the calculator shows your upfront cost, daily instalment amount, total interest, and a full day-by-day payback schedule.

You are pre-approved for auto-debits on your mobile money wallet when you activate Pay Small Small. If your Pay Small Small balance is insufficient to pay your installment, your mobile money wallet balance is debited to pay. If your mobile money wallet is also insufficient, the missed amount carries over. Consistent missed payments may affect your credit rating and your eligibility for future Pay Small Small purchases.

Pay Small Small is not a personal loan. It is a transactional payment option built into Hubtel's checkout for everyday purchases like food, airtime, data, and utility bills. There is no separate application process, no paperwork, and no long-term debt. You buy what you need, the cost is split into short daily instalments (typically 7 to 21 days), and the total cost of credit is shown upfront in the calculator before you commit.