Calculators & Tools
Reading about how a mortgage or loan works is useful, but seeing your own numbers is more useful still. This section is a library of free, independent calculators covering mortgages, loans and debt — each one paired with a plain-English guide to how it works and the maths underneath it, so you understand the result rather than just staring at a number.
Mortgage Calculators
Work out how much you could borrow, your loan-to-value band, the impact of overpaying, remortgage savings, and Stamp Duty.
Mortgage Borrowing Power Calculator
Estimate how much you could borrow based on your income, outgoings and deposit, using the income multiples and affordability approach UK lenders use.
Read nowLoan-to-Value (LTV) Ratio Calculator
Work out your LTV ratio from your deposit and property value, and see which lending tier it falls into.
Read nowMortgage Overpayment Savings Calculator
See how much time and interest a regular or one-off overpayment could save you over the life of your mortgage.
Read nowRemortgage Cost vs Savings Calculator
Weigh the fees of switching mortgage deals against the monthly and total savings a lower rate could bring.
Read nowStamp Duty (SDLT) Calculator
Calculate the Stamp Duty Land Tax due on a residential property purchase in England or Northern Ireland, including first-time buyer relief.
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Loan & Debt Calculators
Compare loan repayments, consolidation options, car finance structures, secured versus unsecured borrowing, and your true cost of debt.
Personal Loan Repayment Calculator
Calculate the monthly repayment and total cost of a personal loan from its amount, rate and term.
Read nowDebt Consolidation Calculator
Compare the combined cost of several existing debts against a single consolidation loan to see whether merging them actually saves money.
Read nowCar Finance Calculator: PCP vs HP
Compare estimated monthly payments and total cost between Personal Contract Purchase and Hire Purchase car finance.
Read nowSecured vs Unsecured Loan Calculator
See side by side how a secured loan's lower rate weighs against the risk of putting your home or asset up as collateral.
Read nowDebt-to-Income (DTI) Ratio Calculator
Work out your debt-to-income ratio the way lenders do, and see which affordability band it falls into.
Read nowTrue Cost of Borrowing Calculator
Add interest and fees together to see the real total cost of a loan, not just the headline interest rate.
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Savings & Investment Calculators
Project how savings and investments could grow, compare cash against investing, and see what inflation does to money left standing still.
Compound Interest Calculator
See how a starting amount plus regular monthly contributions could grow over time once compounding is factored in.
Read nowSavings Calculator
Project your savings pot from an opening balance, regular deposits and an interest rate over your chosen term.
Read nowInvestment Growth Calculator
Estimate the potential future value of an investment portfolio from an initial sum, monthly investing and an assumed return.
Read nowInvestment Return Calculator
Work out the annualised return an investment has actually delivered, from its purchase value, current value and holding period.
Read nowISA Calculator
Project the potential value of an ISA from your annual contribution, the number of years you invest, and an assumed rate of return.
Read nowRegular Investment Calculator
See what a fixed monthly investment could grow into over time, with no lump sum needed to get started.
Read nowInflation Calculator
See what today's money is likely to be worth in real terms in the future, once inflation has taken its toll.
Read nowInflation Erosion Calculator
Work out how much spending power savings left in cash could lose to inflation over time.
Read nowSavings vs Investment Calculator
Compare what the same regular contribution could become in a cash savings account versus a typical investment return.
Read nowLump Sum vs Regular Investment Calculator
Compare investing a lump sum immediately against drip-feeding the same money in as monthly contributions instead.
Read nowNet Worth Calculator
Add up everything you own and subtract everything you owe to see your current net worth in one figure.
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Retirement & Pension Calculators
Estimate how a pension could grow, what income it might provide, and whether you're currently on track for the retirement you want.
Pension Growth Calculator
Estimate your pension pot at retirement from your current pot, your contributions, employer contributions and an assumed growth rate.
Read nowPension Income Calculator
See an illustrative annual and monthly income a pension pot could provide at a given withdrawal rate.
Read nowRetirement Calculator
Estimate your total retirement fund from your current age, savings, contributions and expected investment return.
Read nowHow Much Do I Need to Retire? Calculator
Compare your projected retirement pot against what your desired retirement income would actually require, and see any shortfall or surplus.
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