All calculators
Tools covering mortgages, borrowing, budgeting, debt and saving. Each one shows the formula it uses and the assumptions behind the result, and none is published until its formula tests pass and its figures have been checked against an established source.
Property and borrowing
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Mortgage repayment
Monthly payment, total interest, a balance chart and a full month-by-month schedule.
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Mortgage affordability
An indicative borrowing range with a stress test, shown honestly as a range rather than a number.
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Compare two mortgage deals
Which offer is genuinely cheaper once the product fee is counted, not just the headline rate.
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Mortgage overpayment
What paying extra saves in interest, how much sooner you finish, and the two paths compared on a chart.
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Interest-only mortgage
Monthly cost, the capital still owed at the end, and how it compares with repayment.
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True cost of buying
Every cash cost of buying a home, not just the deposit, added up honestly.
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Rent vs buy
Whether renting or buying leaves you better off, and after how many years.
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Stamp duty and buying costs
England, Scotland and Wales calculated separately, plus first-time buyer relief and the other costs of buying.
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Loan repayment
Monthly payment, total interest, and what an arrangement fee really costs.
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Day to day and long term
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Energy tariff comparison
Two deals compared properly, including standing charges, Economy 7 and exit fees.
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Monthly budget
Where the money goes, whether the month ends up or down, and what each category takes.
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Debt repayment
Several debts at once, which order to clear them in, and what paying extra saves.
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Savings goal
What to save each month to hit a target, or how long your current saving takes.
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Inflation and purchasing power
What your money will really be worth, and whether your savings are beating inflation.
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Compound interest
How a pot grows, and how much of it is interest rather than your own money.
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Salary and take-home pay
Take-home pay after tax, National Insurance, student loan and pension. Covers Scotland separately.
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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.