Financial tools
and calculators

Borrowing type finder

Answer a few questions to find which borrowing types are most likely to suit your situation, with links to guides and calculators.

Monthly budget planner

Map income and outgoings to find your genuine monthly surplus before committing to any new borrowing.

Net worth calculator

Add up assets and liabilities to see your current net worth and track how it changes over time.

Take-home pay calculator

Enter your salary to see take-home pay after income tax, National Insurance, student loan, and pension deductions.

Retirement savings calculator

Model how much you need to save each month to reach a target pension pot, with compound growth included.

Retirement income calculator

See how long a pension pot lasts under three drawdown strategies, with State Pension offset and lump sum modelling.

Emergency fund builder

Calculate how large your emergency fund should be and how long it will take to build at different saving rates.

Savings goal planner

Set a target, a timeline, and a starting balance to see exactly how much to save each month to get there.

House deposit planner

Work out how long it will take to save a deposit based on property price and monthly saving capacity.

Rent vs buy comparator

Compare the financial outcome of buying versus renting over the same period, including equity build and deposit investment.

Stamp duty calculator

Calculate stamp duty on a residential property purchase across England, Scotland, and Wales.

Car finance comparator

Compare PCP, Hire Purchase, and a personal loan side by side on the same vehicle to see which costs least.

Inflation erosion calculator

See how inflation reduces the real value of your savings over time, and what interest rate you need to keep pace.

Pay down debt vs save

Compare the financial impact of putting spare cash towards debt versus building savings.

True daily cost of borrowing

Break any loan down to a daily cost. A simple way to compare borrowing options side by side.

ISA vs loan cost comparison

Model whether using ISA savings to fund a purchase is cheaper than taking a loan, accounting for lost interest.

Variable rate payment impact

See how much your monthly payment would change if your variable interest rate rose by 0.5%, 1%, or 2%.

Energy efficiency payback

Select home energy improvements and see the payback period, annual saving, and whether financing produces a net surplus.

Financial Support Finder

Check what UK government support may apply across 44 forms of help including benefits, grants, NHS exemptions, and Council Tax discounts.

Secured loan calculator

Adjust loan size, rate and term to see monthly repayment and total cost. Illustrative figures only.

LTV and equity calculator

Enter your property value and mortgage balance to see your available equity and loan-to-value position.

Monthly affordability checker

Model a proposed loan payment against your income and outgoings, with stress tests for rate rises.

APR band cost comparator

Compare the total cost of the same loan at different APR bands to see what rate improvements are worth.

Fixed vs variable rate comparator

Compare a fixed rate loan against a variable rate equivalent across a range of rate movement scenarios.

Early repayment charge calculator

Estimate the early repayment charge on your secured loan to see whether paying off early makes financial sense.

Overpayment impact calculator

See how regular overpayments or a one-off lump sum reduce your loan term and total interest.

Second charge vs further advance

Compare the cost of a second charge mortgage against a further advance on your existing mortgage.

Secured loan vs remortgage comparator

Model both options side by side to see which costs less in total when you need to raise additional funds.

Secured vs unsecured threshold tool

Find the loan size and term at which securing the debt against property starts to make financial sense.

Remortgage timing calculator

Model the cost of remortgaging now versus waiting, accounting for early repayment charges and rate changes.

Self-employed income classifier

Understand how lenders are likely to assess your income if you are self-employed, a director, or a contractor.

Credit profile classifier

Understand which lender tier your credit profile is likely to fall into and what that means for your rate.

Credit snapshot

Get a quick overview of how your credit file factors are likely to be assessed by secured loan lenders.

Secured loan eligibility checker

Work through the key criteria lenders use to assess secured loan applications before you apply.

Document checklist

Work through the documents a secured loan lender will typically ask for so you can prepare in advance.

Debt consolidation calculator

Compare your current debts against a consolidation loan to see whether you would pay less overall, not just monthly.

Total debt picture tool

See all your debts in one place: combined balance, monthly cost, debt-to-income ratio, and which debts are costing most.

Debt prioritisation tool

Work out which debts to consolidate and which to leave, based on rate, remaining term, and value added.

Saving and true cost calculator

A combined tool showing your saving on monthly payments alongside the true total interest cost over the full term.

Consolidation vs DMP comparator

Compare a consolidation loan against a debt management plan across cost, timeline, and credit score impact.

Debt-free date calculator

See when each of your debts would be cleared at current repayments, and how much sooner with overpayments.

Credit rebuild timeline

Map when different lender tiers become accessible after adverse credit events, and what actions help most.

Home improvement loan calculator

Model monthly repayments and total cost for a home improvement loan at different rates and terms.

ROI estimator

Estimate the return on investment for common home improvement projects based on property type and location.

Project budget builder

Build a room-by-room project budget with cost ranges, a contingency buffer, and a total loan estimate.

Interactive project cost estimator

Select the works you are planning and get an illustrative cost range based on typical UK project prices.

Project finance timeline

Map your project stages against a financing plan to see when funds are needed and how to structure borrowing.

Wait vs borrow now calculator

Compare the cost of borrowing now against saving up and waiting, accounting for inflation in project costs.

No-fee vs fee-paying loan comparator

Compare the total cost of a no-fee loan at a higher rate against a fee-paying loan at a lower rate.

Energy efficiency payback calculator

Select improvements and see the payback period, annual saving, and whether financing produces a net surplus.

Boiler vs heat pump calculator

Compare the running costs of a gas boiler against an air source heat pump for your property.

Heat pump running cost calculator

Estimate annual running costs for an air or ground source heat pump based on your property size and usage.

Solar panel savings calculator

Model the annual saving and payback period for a solar panel installation based on system size and location.

Solar battery size calculator

Calculate the battery storage capacity that makes financial sense alongside your solar panel system.

Insulation savings calculator

Estimate the annual saving from loft, cavity wall, or external wall insulation based on your current energy spend.

EPC improvement before selling

Model whether improving your EPC rating before selling could increase the sale price enough to justify the cost.

Green mortgage EPC calculator

See whether your EPC rating qualifies for green mortgage products and what rate improvement that could offer.

Fuel poverty risk calculator

Check whether your household energy spend relative to income puts you at risk of fuel poverty.

Property running cost comparator

Compare the total annual running costs of two properties including energy, council tax, and maintenance.

EV home charging optimiser

Model the cost of charging an electric vehicle at home versus public chargers, including off-peak tariff savings.

Landlord MEES portfolio planner

Plan EPC upgrades across a rental portfolio to meet Minimum Energy Efficiency Standards and estimate costs.

Rental yield breakeven calculator

Calculate how long it takes for an energy improvement to break even through increased rental yield or avoided void periods.

Home energy upgrade sequencer

Plan the order in which to install energy improvements for maximum cumulative savings and shortest payback.

Retrofit timeline planner

Map out a whole-house retrofit plan with phased installation dates, costs, and financing milestones.

Bridging loan calculator

Model your gross loan, monthly rate, arrangement fee and term to see your net advance and total cost.

Bridging loan eligibility

Work through the key criteria bridging lenders assess to see whether your situation is likely to qualify.

Exit strategy checklist

Work through whether your repayment plan is specific, time-bound, and supported by enough evidence.

Document checklist

Work through the documents a bridging lender will typically ask for so you can prepare before submitting an enquiry.

Timeline readiness checklist

Check whether you have everything in place to meet the typical bridging loan completion timeline.

Extension and refinance checklist

If your bridging term is ending, assess whether extending or refinancing is the right next step.

Non-standard property classifier

Understand how your property type affects bridging availability, LTV, and which lender tier is most likely to consider it.

Land planning status classifier

Understand how a land plot's planning status affects bridging availability, LTV, and lender appetite.

Bridging to mortgage transition timeline

Map the timeline and milestones for transitioning from a bridging loan to a standard mortgage.

HELOC repayment calculator

Model monthly repayments on a HELOC at different draw amounts, rates, and repayment strategies.

HELOC vs lump sum comparator

Compare the total cost of a flexible HELOC against a traditional lump sum secured loan for the same borrowing need.

How much equity can I borrow?

Enter your property value and mortgage balance to see the maximum HELOC facility based on typical LTV limits.

HELOC draw period planner

Plan when and how much to draw from a HELOC facility, with interest calculations for each draw stage.

HELOC suitability checker

Answer a few questions to see whether a HELOC is likely to suit your borrowing need versus other equity options.