The best property calculators for 2026.

Our picks for FY2025

1. Editor’s pick
   01

   Editor’s pick

   Mortgage Affordability Calculator

   Check how much you may be able to borrow based on income, outgoings, and stress-tested monthly payments.

   Income-based borrowing limit

   Outgoings stress test

   Rate sensitivity checks

   Offer ceiling planning

   Best for: Buyers who want a realistic borrowing ceiling before they start viewing homes.

   Try Mortgage Affordability Calculator
2. 02

   Runner-up

   Mortgage Calculator

   Turn a property price, deposit, rate, and term into the monthly repayment and total interest picture.

   Monthly repayment estimate

   Total interest view

   Term comparison

   Repayment planning

   Best for: Buyers comparing property prices or checking whether a quote is still comfortable.

   Try Mortgage Calculator
3. 03

   Highly rated

   Loan-to-Value Calculator

   Work out your LTV ratio so you can see how the deposit changes the rate band and lender options.

   LTV percentage

   Deposit band impact

   Rate tier context

   Remortgage checks

   Best for: Buyers and remortgagers trying to move into a better borrowing bracket.

   Try Loan-to-Value Calculator
4. 04

   Pick 4

   Deposit Savings Calculator

   Map how long it will take to reach the deposit target with regular saving and any one-off boosts.

   Target date planning

   Monthly saving pace

   Savings gap view

   Deposit milestone tracking

   Best for: Anyone still building a deposit and deciding whether to buy now or wait.

   Try Deposit Savings Calculator
5. 05

   Pick 5

   Stamp Duty Calculator

   Calculate stamp duty land tax on a UK purchase, including first-time buyer relief and the latest bands.

   Current SDLT bands

   First-time buyer relief

   Purchase tax breakdown

   Completion cost planning

   Best for: Buyers budgeting for completion costs and deciding how far they can stretch the purchase price.

   Try Stamp Duty Calculator
6. 06

   Pick 6

   Closing Costs Calculator

   Estimate the legal, survey, tax, and moving costs that sit on top of the deposit.

   Legal and survey costs

   Moving expenses

   Tax and fee totals

   Cash-to-complete view

   Best for: Buyers who need the full cash required to complete, not just the mortgage amount.

   Try Closing Costs Calculator
7. 07

   Pick 7

   Fixed vs Variable Mortgage Calculator

   Compare the trade-off between rate certainty and the possibility of a lower starting payment.

   Fixed-rate comparison

   Variable-rate exposure

   Payment volatility view

   Rate choice support

   Best for: Borrowers choosing a mortgage type or deciding whether to lock in payment certainty.

   Try Fixed vs Variable Mortgage Calculator
8. 08

   Pick 8

   Refinancing Calculator

   Test whether a refinance or remortgage is worth it once fees, balance, and rate changes are included.

   Refinance savings

   Fee impact check

   Term reset view

   Switching threshold

   Best for: Homeowners and landlords weighing up a new deal before their current one ends.

   Try Refinancing Calculator
9. 09

   Pick 9

   Rent vs Buy Calculator

   Compare the total cost of renting against buying over a realistic time horizon.

   Rent versus ownership cost

   Break-even horizon

   Deposit opportunity cost

   Move flexibility

   Best for: People deciding whether to keep renting, buy a first home, or delay the purchase.

   Try Rent vs Buy Calculator
10. 10

    Pick 10

    Second Home Stamp Duty Calculator

    Calculate the higher SDLT rates that apply to second homes and many buy-to-let purchases.

    Additional property surcharge

    Second-home budgeting

    Completion tax planning

    Buy-to-let context

    Best for: Investors and buyers who already own a home and need the surcharge upfront.

    Try Second Home Stamp Duty Calculator
11. 11

    Pick 11

    Buy-to-Let Yield Calculator

    Measure gross and net rental yield once mortgage costs and running expenses are included.

    Gross and net yield

    Expense deductions

    Mortgage cost factoring

    Cash-on-cash context

    Best for: Buy-to-let investors checking whether a property still stacks up after the financing layer.

    Try Buy-to-Let Yield Calculator
12. 12

    Pick 12

    Landlord Profit Calculator

    Estimate monthly and annual landlord profit after rent, finance costs, maintenance, and voids.

    Net profit view

    Void and fee assumptions

    Annual cash flow

    Portfolio decision support

    Best for: Landlords and portfolio owners testing whether a property still produces usable cash flow.

    Try Landlord Profit Calculator

How we ranked these

• 01

  Borrowing power

  We started with calculators that answer whether the purchase is even possible, not just what the monthly payment looks like in isolation.

• 02

  Completion cash

  Deposit, stamp duty, legal fees, surveys, and moving costs can stop a purchase even when the mortgage quote looks fine.

• 03

  Rate and repayment risk

  Fixed, variable, and refinancing tools matter once you need to manage payment stability rather than just get to completion.

• 04

  Ownership economics

  For second homes and buy-to-let, we favored calculators that test actual cash flow and profit rather than headline yield alone.

Property decision checklist

• Set the ceiling: Use the affordability and LTV calculators first so you know what price range and deposit band are realistic.

• Count the completion cash: Add stamp duty, legal fees, surveys, and moving costs before you decide the deposit is enough.

• Choose the rate structure: Use fixed vs variable before you commit, then refinance only if the numbers still improve after fees.

• Check the ownership path: Use rent-vs-buy for the purchase decision and landlord-profit tools for investment properties.

• Re-run after every assumption change: A small change in rate, term, or deposit can move you into a different affordability and LTV outcome.