United Kingdom · 48 tools

Finance & Mortgages calculators

Compare loans and everyday money tools on total cost, then pick the calculator that matches the decision you are in.

Most used

Start here, then explore the groups below.

MortgageEstimate mortgage repayments, total interest and LTV from loan amount, rate and term. A planning figure — not a lender illustration.Finance & Mortgages Loan RepaymentEstimate monthly loan repayments and total interest from amount, rate and term. Use your local currency; this is a planning figure, not a credit offer.Finance & Mortgages Mortgage AffordabilityEstimate UK mortgage affordability from household income, monthly expenses, interest rate, and term. Stress-test borrowing before applying.Finance & Mortgages Mortgage OverpaymentSee how extra monthly payments or a lump sum cut years and interest off a UK mortgage. Compare overpaying with keeping the cash.Finance & Mortgages

Turn a money question into a monthly figure

Loans, mortgages and everyday money tools are most useful when you hold the amount, rate and term constant and compare total cost, not just the first payment. Run a second scenario whenever a fee, introductory rate or overpayment would change the outcome.

Use the same principal and term when you compare products.
Look at total interest and fees, not only the monthly amount.
Re-run the numbers if the rate is promotional or the balance will change mid-term.

How the money tools connect

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.

Guides that support this category

Use these when you need more context before choosing a 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.

Fixed vs Variable Rate Mortgage Calculator: Complete Comparison

Understand the differences between fixed and variable mortgage rates with side-by-side comparisons.

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.

Loan Repayment vs Mortgage Calculator: Key Differences Explained

Compare personal loans and mortgages to understand which calculation method applies to your situation.

Buying and affordability4

Start here when you want to work out what you can buy, what size deposit you need, and whether the monthly payment is realistic.

MortgageEstimate mortgage repayments, total interest and LTV from loan amount, rate and term. A planning figure — not a lender illustration.Mortgage AffordabilityEstimate UK mortgage affordability from household income, monthly expenses, interest rate, and term. Stress-test borrowing before applying.Home AffordabilityCalculate how much house you can afford based on income, deposit and outgoings. Estimate the maximum mortgage and property price that fits your finances.Deposit SavingsCalculate how long it will take to save a house deposit based on your monthly savings and interest rate.

Managing an existing mortgage6

Use these tools to compare overpayments, interest-only scenarios, refinance options, and the long-run cost of borrowing.

Mortgage OverpaymentSee how extra monthly payments or a lump sum cut years and interest off a UK mortgage. Compare overpaying with keeping the cash.Mortgage AmortizationGenerate 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 MortgageEstimate UK interest-only mortgage payments and total interest. See the unchanged capital due at the end and compare a repayment mortgage.RefinancingCalculate 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 SavingsCalculate 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 MortgageCompare 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 scenarios5

These calculators help with tax, bridging finance, equity release, and second-home ownership costs that often get missed in headline comparisons.

Stamp DutyEstimate SDLT for a home in England or Northern Ireland, including first-time buyer relief and additional-property rates.Second Home Stamp DutyCalculate stamp duty on second homes and buy-to-let properties including the 5% additional property surcharge.Bridging LoanCalculate bridging loan costs including monthly interest, arrangement fees and total cost of borrowing.Equity ReleaseCalculate how much equity you could release from your home and the total rolled-up interest owed.Buy-to-Let YieldCalculate 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 category33

Use these supporting calculators when you need a more specific comparison or a second opinion on the same decision.

Loan RepaymentEstimate monthly loan repayments and total interest from amount, rate and term. Use your local currency; this is a planning figure, not a credit offer.LBTT Calculator ScotlandEstimate Land and Buildings Transaction Tax for a home in Scotland, including first-time buyer relief and Additional Dwelling Supplement.LTT Calculator WalesEstimate Land Transaction Tax for a home in Wales using the main residential table or the separate higher rates. Wales has no first-time buyer relief.First-Time Buyer Stamp DutyEstimate first-time buyer SDLT in England and Northern Ireland, including the £300,000 nil-rate, the £500,000 cliff, and when relief is withdrawn.Currency ConverterConvert amounts between major world currencies using current exchange rates. Find the equivalent in any currency for travel, business or international payments.DiscountCalculate 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 InterestCalculate 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.OvertimeCalculate 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 NetConvert 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 GrossConvert 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.Personal Loan CostEstimate monthly payments on a personal loan from £5,000 to £100,000. Compare 1–10 year terms and total interest before you apply.APR to APYConvert APR to APY to understand the true annual return when interest compounds. See how compounding frequency affects the effective yield on savings or loans.InflationCalculate 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 InsuranceCalculate estimated home insurance costs based on property value and risk factors.Credit Card PayoffCalculate how long it takes to pay off a credit card and see total interest costs.Debt ConsolidationCalculate potential savings from consolidating high-interest debts into a lower-rate loan.Student Loan PayoffEstimate a fixed monthly student-loan repayment from balance, interest rate and term. For UK Plan 1/2/4/5 income-contingent deductions, use the Student Loan Calculator instead.Cost of UniversityEstimate total university costs including tuition, accommodation, and living expenses.Occupational Maternity PayEstimate 2026/27 Statutory Maternity Pay and optional occupational top-up. Use this when your employer pays more than SMP; use the statutory-only tool for a pure SMP schedule.Paternity LeaveCalculate your Statutory Paternity Pay for 2026/27. See your weekly entitlement and how Shared Parental Leave could give you more paid time with your new baby.Holiday EntitlementCalculate your statutory holiday entitlement in days and hours. Based on UK Working Time Regulations — 5.6 weeks capped at 28 days.Statutory Maternity PayStatutory-only 2026/27 SMP estimate: 90% of average weekly earnings for six weeks, then the lower of £194.32 or 90% of earnings to week 39. No occupational enhancement.Hourly to Take-Home PayConvert 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 Hours & Tax-Free ChildcareEstimate England 30 hours funded childcare from 9 months (from Sep 2025), 15 universal hours for 3–4 year olds, 38 vs 52-week stretched, and Tax-Free Childcare.Lifetime ISA PlannerPlan 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 PlannerAdd 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 PlannerEstimate how many months an accessible emergency pot could cover after reliable income, essential spending, immediate costs and support entered.Household Budget & Bill Calendar PlannerBuild 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 PlannerPlan 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 PlannerPlan 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 PlannerCompare remaining car-finance payments with a provider settlement figure, vehicle valuation and replacement quote without hiding negative equity or fees.Financial Check-In & Action PlannerA local-only guided financial check-in for household cash flow, commitments, documents and upcoming changes, with one practical next action.Bill Priority TriageA 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.

Property & Mortgages Loans & Debt Tax Investing & Savings