How to use this finance & mortgages hub
Finance calculators are most useful when you need to turn a broad question into a realistic monthly figure. Instead of jumping straight from a lender headline or a comparison table to a decision, this hub helps you test the main numbers that actually change affordability: deposit size, interest rate, loan term, fees, and the trade-off between speed of repayment and flexibility.
For home buyers, borrowers, and anyone comparing a large financial commitment, the biggest value comes from running more than one scenario. A small change in rate, term, or upfront cash can move the result far more than people expect. That is why the calculators in this hub are grouped by planning stage, so you can move from rough affordability to monthly repayments, then to overpayments, refinancing, or tax-related ownership costs without losing context.
This section also works well as a reality check before you speak to a broker, bank, or provider. If a quote looks better than your own cautious scenario, you know what questions to ask. If it looks worse, you can already see which input is causing the gap. That makes the tools here especially valuable for narrowing your options before you spend time on applications or negotiations.
Use the featured tools first if you are buying, refinancing, or comparing mortgage scenarios. Then move into the supporting calculators to test repayment structure, stamp duty, savings goals, and rate changes. Taken together, these pages give you a cleaner way to compare decisions that are usually expensive, long-term, and difficult to reverse once you commit.
Most popular calculators
Start with the tools people usually need first, then move into the grouped sections below for more specific scenarios.
Mortgage Calculator
Estimate UK mortgage repayments, total interest, and LTV. Compare loan amounts, rates, repayment types, and terms before requesting a quote.
Mortgage Affordability Calculator
Estimate UK mortgage affordability from household income, monthly expenses, interest rate, and term. Stress-test borrowing before applying.
Mortgage Overpayment Calculator
Stamp Duty Calculator
Guides that support this category
Use these editorial guides when you need more context before choosing the right calculator.
Mortgage Calculator vs. Affordability Calculator: Which Should You Use?
Compare mortgage and affordability calculators to understand what you can afford vs how much to pay monthly.
8 min read
Fixed vs Variable Rate Mortgage Calculator: Complete Comparison
Understand the differences between fixed and variable mortgage rates with side-by-side comparisons.
9 min read
Mortgage vs Rent Calculator: Should You Buy or Rent Your Home?
Use our comprehensive comparison to decide whether buying or renting makes financial sense for you.
10 min read
Loan Repayment vs Mortgage Calculator: Key Differences Explained
Compare personal loans and mortgages to understand which calculation method applies to your situation.
8 min read
Buying and affordability
Start here when you want to work out what you can buy, what size deposit you need, and whether the monthly payment is realistic.
Mortgage Calculator
Estimate UK mortgage repayments, total interest, and LTV. Compare loan amounts, rates, repayment types, and terms before requesting a quote.
Mortgage Affordability Calculator
Estimate UK mortgage affordability from household income, monthly expenses, interest rate, and term. Stress-test borrowing before applying.
Home Affordability Calculator
Calculate how much house you can afford based on income, deposit and outgoings. Estimate the maximum mortgage and property price that fits your finances.
Deposit Savings Calculator
Calculate how long it will take to save a house deposit based on your monthly savings and interest rate.
Managing an existing mortgage
Use these tools to compare overpayments, interest-only scenarios, refinance options, and the long-run cost of borrowing.
Mortgage Overpayment Calculator
Calculate interest saved and years cut by overpaying your mortgage each month. See the long-term financial benefit of making regular extra mortgage payments.
Mortgage Amortization Calculator
Generate a full mortgage amortization schedule showing monthly principal and interest. See how your balance reduces over the entire term of your home loan.
Interest-Only Mortgage Calculator
Estimate UK interest-only mortgage payments and total interest. See the unchanged capital due at the end and compare a repayment mortgage.
Refinancing Calculator
Calculate potential savings from refinancing your mortgage to a lower rate. Compare your current monthly payment and total cost against a new refinancing deal.
Early Repayment Savings Calculator
Calculate interest saved by making early or overpayments on your mortgage or loan. See how extra payments reduce your balance and shorten your repayment term.
Fixed vs Variable Mortgage Calculator
Compare fixed-rate and variable-rate mortgages side by side. See total interest and monthly repayments under each option to choose the right mortgage type.
Property costs and specialist scenarios
These calculators help with tax, bridging finance, equity release, and second-home ownership costs that often get missed in headline comparisons.
Stamp Duty Calculator
Estimate SDLT for a home in England or Northern Ireland, including first-time buyer relief and additional-property rates.
Second Home Stamp Duty Calculator
Calculate stamp duty on second homes and buy-to-let properties including the 3% additional property surcharge.
Bridging Loan Calculator
Calculate bridging loan costs including monthly interest, arrangement fees and total cost of borrowing.
Equity Release Calculator
Calculate how much equity you could release from your home and the total rolled-up interest owed.
Buy-to-Let Yield Calculator
Calculate gross and net yield on a UK buy-to-let property. Factor in rental income, purchase costs and expenses to assess whether the investment stacks up.
More tools in this category
Use these supporting calculators when you need a more specific comparison or a second opinion on the same decision.
Loan Repayment Calculator
Estimate UK personal loan repayments, total interest and total amount repayable from the amount, APR and term you enter.
Currency Converter
Convert amounts between major world currencies using current exchange rates. Find the equivalent in any currency for travel, business or international payments.
Discount Calculator
Calculate the final price after a percentage or fixed discount. Enter the original price and discount amount to find out exactly how much you save.
Simple Interest Calculator
Calculate simple interest earned or owed on a loan or deposit. Enter the principal, annual interest rate and term in years to find the total interest amount.
Overtime Calculator
Calculate overtime pay based on your hourly rate and hours worked beyond your standard week. Find out how much extra you earn for working additional hours.
Gross to Net Calculator
Convert gross salary to net take-home pay after income tax and National Insurance. Enter your annual gross to see what lands in your bank account each month.
Net to Gross Calculator
Convert net take-home pay back to gross salary before tax and National Insurance. Find out what gross income you need to achieve a desired net pay amount.
Loan Calculator
Estimate UK personal loan repayments, total interest, and total amount repayable. Compare APR and term before applying.
APR to APY Calculator
Convert APR to APY to understand the true annual return when interest compounds. See how compounding frequency affects the effective yield on savings or loans.
Inflation Calculator
Calculate how inflation erodes purchasing power over time. Enter an amount and time period to see what today's money was worth in the past or future.
Home Insurance Calculator
Calculate estimated home insurance costs based on property value and risk factors.
Credit Card Payoff Calculator
Calculate how long it takes to pay off a credit card and see total interest costs.
Debt Consolidation Calculator
Calculate potential savings from consolidating high-interest debts into a lower-rate loan.
Student Loan Repayment Calculator
Calculate monthly student loan repayments and estimate total interest under UK Plan 1, Plan 2 or Plan 5. Find out when your student loan will be fully repaid.
Cost of University Calculator
Estimate total university costs including tuition, accommodation, and living expenses.
Maternity Pay Calculator
Estimate 2026/27 Statutory Maternity Pay and employer-enhanced pay. Assumes you meet the separate SMP eligibility rules.
Paternity Leave Calculator
Calculate your Statutory Paternity Pay for 2025. See your weekly entitlement and how Shared Parental Leave could give you more paid time with your new baby.
Holiday Entitlement Calculator
Calculate your statutory holiday entitlement in days and hours. Based on UK Working Time Regulations — 5.6 weeks capped at 28 days.
UK Maternity Pay Calculator
Estimate 2026/27 Statutory Maternity Pay across up to 39 weeks. Assumes you meet the separate SMP eligibility rules.
Hourly to Take-Home Pay Calculator
Convert your hourly rate to weekly and annual take-home pay after UK income tax and National Insurance. Supports standard, BR, and 0T tax codes.
Free Childcare & Tax-Free Childcare Calculator
Calculate your free funded childcare hours and Tax-Free Childcare savings. Covers 15 and 30 free hours for 2–4 year olds and the government's 20% top-up scheme.
Lifetime ISA Planner
Plan Lifetime ISA contributions, the 25% government bonus and a simple savings projection. Check the UK eligibility rules separately before relying on it.
First-Time Buyer Cash-to-Complete Planner
Add your deposit, legal, survey, moving and other costs to see the cash you still need before property tax. A planning tool, not a mortgage decision.
Emergency Fund Runway Planner
Estimate how many months an accessible emergency pot could cover after reliable income, essential spending, immediate costs and support entered.
Household Budget & Bill Calendar Planner
Build a local-only household budget with weekly, monthly and annual bills, essential-cost coverage, sinking funds and a visible savings target.
Irregular Income & Sinking Fund Planner
Plan a household budget around a quieter income month, predictable annual costs, a monthly sinking fund and an accessible cash buffer.
Credit Card 0% Expiry & Balance Transfer Planner
Plan a 0% balance transfer with the transfer fee, promotional months, payoff payment, estimated balance at expiry and entered post-promotion APR.
Car Finance Settlement & Refinance Planner
Compare remaining car-finance payments with a provider settlement figure, vehicle valuation and replacement quote without hiding negative equity or fees.
Financial Check-In & Action Planner
A local-only guided financial check-in for household cash flow, commitments, documents and upcoming changes, with one practical next action.
Bill Priority Triage
A local-only UK bill-priority guide for rent, mortgage, Council Tax, energy, tax, credit and other payments—focused on missed-payment consequences and early help.