Tools
Browse our range of helpful, free tools and calculators that are designed to be simple to use and understand, but most importantly, made to assist you in making smart money decisions.
General
Use these tools for everyday money questions, from rent checks to simple growth estimates.
Calculate how much an investment will grow over time with compounding interest. Enter your principal, interest rate, and compounding frequency to see the future value.
Find out how much rent you can afford based on your income, with a quick monthly estimate before you start viewing properties.
Calculate gross and net rental yield for a property so you can quickly compare buy-to-let opportunities.
Property Calculation
Compare the cost of renting and buying, and see how different property choices change the numbers.
Compare the long-term cost of renting and buying so you can see which option leaves you better off over your planned stay.
Determine the cost of renting a property and the total amount of rent you will pay during your stay.
Calculate the cost of buying a house or flat, and how much you will pay during your stay in that property.
Compare multiple scenarios and calculate the costs and returns for each, to decide if it is better to rent or buy a property over the same period.
Mortgage
Work out repayments, compare mortgage deals, and check the borrowing costs that shape your budget.
Find out how much your monthly mortgage repayments will be based on the property price, mortgage length and your deposit amount.
Compare two mortgages to see how much extra interest you will be paying over the same period of time.
A mortgage amortization table lets you see your payment schedule over the period of the loan. Get started by entering your property price, mortgage length and interest rate.
Estimate your remaining mortgage balance and see your current loan-to-value (LTV) position for remortgage planning.
Figure out how much Stamp Duty Land Tax (SDLT) you will have to pay if you're purchasing a residential home in England or Northern Ireland.
Calculate if you are better off with or without the Help to Buy equity loan. If you can get a traditional mortgage, should you still apply for an equity loan?
Energy
Estimate energy bills, compare tariffs, and model household running costs using your own usage.
Estimate appliance running costs from watts, hours of use, and your electricity unit rate so you can see what is driving your electricity use.
Estimate combined monthly electricity, gas, and water bills from your household size and region.
Estimate your next electricity bill from your previous and current meter readings, unit rate, and standing charge.
Estimate your next gas bill from meter readings or direct kWh usage, plus your unit rate and standing charge.
Convert domestic gas usage between cubic metres and kWh using the standard UK billing factors.
Compare two petrol prices and see your saving per fill-up, per month, and per year. Includes a breakeven detour distance.
Savings
Plan savings goals, build an emergency fund, and estimate how your money could grow over time.
Estimate how much a Junior ISA could grow by the time your child turns 18, based on regular contributions and an expected annual return.
Calculate your emergency fund target and how long it will take to build it, based on your monthly expenses and how much you can save each month.
Calculate when you will reach a savings target and how much to set aside each month.