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 – 200.00 Upfront: 10.00% Interest: 8.10%

Purchase Amount

Payback Breakdown

Cost of credit

GHS12.14/ 8.10%

Total to repay

GHS162.14

No of instalments

22

No of days

23 days

Pay today

GHS16.21

10.00% at checkout

Per instalment

GHS6.63

22 instalments over 23 days · last GHS 6.64

Day-by-day schedule

23 days 23 debits

Today 1st Oct, 2026

GHS 16.21

Balance left: GHS 145.93

Day 1 2nd Oct, 2026

GHS 6.63

Balance left: GHS 139.30

Day 2 3rd Oct, 2026

GHS 6.63

Balance left: GHS 132.67

Day 3 4th Oct, 2026

GHS 6.63

Balance left: GHS 126.04

Day 4 5th Oct, 2026

GHS 6.63

Balance left: GHS 119.41

Day 5 6th Oct, 2026

GHS 6.63

Balance left: GHS 112.78

Day 6 7th Oct, 2026

GHS 6.63

Balance left: GHS 106.15

Day 7 8th Oct, 2026

GHS 6.63

Balance left: GHS 99.52

Day 8 9th Oct, 2026

GHS 6.63

Balance left: GHS 92.89

Day 9 10th Oct, 2026

GHS 6.63

Balance left: GHS 86.26

Day 10 11th Oct, 2026

GHS 6.63

Balance left: GHS 79.63

Day 11 13th Oct, 2026

GHS 6.63

Balance left: GHS 73.00

Day 12 14th Oct, 2026

GHS 6.63

Balance left: GHS 66.37

Day 13 15th Oct, 2026

GHS 6.63

Balance left: GHS 59.74

Day 14 16th Oct, 2026

GHS 6.63

Balance left: GHS 53.11

Day 15 17th Oct, 2026

GHS 6.63

Balance left: GHS 46.48

Day 16 18th Oct, 2026

GHS 6.64

Balance left: GHS 39.84

Day 17 19th Oct, 2026

GHS 6.64

Balance left: GHS 33.20

Day 18 20th Oct, 2026

GHS 6.64

Balance left: GHS 26.56

Day 19 21st Oct, 2026

GHS 6.64

Balance left: GHS 19.92

Show

20 of 23 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 1 Oct 2026, 12:58 am

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

Star Oil

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
10.01	100.00	2	2	0.00	0.70
100.01	200.00	7	6	0.00	2.46
200.01	300.00	10	9	0.00	3.52
300.01	400.00	14	13	10.00	4.93
400.01	500.00	21	20	10.00	7.39
500.01	1,000.00	30	30	5.00	10.58

⚠ starts at GHS 10.01

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.