All calculators
Eleven tools covering mortgages, borrowing, budgeting, debt and saving. Each one shows the formula it uses and the assumptions behind the result. We are building them one at a time and testing each before the next, so some are still to come.
Property and borrowing
-
Mortgage repayment
Monthly payment, total interest, a balance chart and a full month-by-month schedule.
Ready -
Mortgage affordability
An indicative borrowing range based on income, deposit and commitments.
Coming soon -
Mortgage overpayment
What paying extra saves in interest, how much sooner you finish, and the two paths compared on a chart.
Ready -
Interest-only mortgage
Monthly cost, the capital still owed at the end, and how it compares with repayment.
Ready -
Stamp duty and buying costs
Dated rates by jurisdiction, plus the other costs of moving.
Coming soon -
Loan repayment
Monthly payment, total interest, and what an arrangement fee really costs.
Ready
Day to day and long term
-
Monthly budget
Where the money goes, whether the month ends up or down, and what each category takes.
Ready -
Debt repayment
Several debts at once, which order to clear them in, and what paying extra saves.
Ready -
Savings goal
What to save each month to hit a target, or how long your current saving takes.
Ready -
Compound interest
How a pot grows, and how much of it is interest rather than your own money.
Ready -
Salary and take-home pay
Estimated pay after deductions, with the tax year stated.
Coming soon
How these are built
Each calculator runs entirely in your browser. Nothing you type is stored, sent to us or passed to any analytics tool, which is why there is no sign-up and no saved history.
Before a calculator appears here as ready, its formulas are tested against known answers and checked against an independent source. Every page publishes the formula it uses, a worked example and the assumptions behind it, so you can see where the estimate comes from and where it stops being reliable.