Calculators

This is an estimate based on England and Northern Ireland rates effective from April 2025. Scotland uses Land and Buildings Transaction Tax (LBTT) and Wales uses Land Transaction Tax (LTT) — rates and thresholds differ. Always verify your liability at gov.uk/stamp-duty-land-tax or with a solicitor before completing a purchase.

This is an estimate based on 2026/27 rates for England, Wales, and Northern Ireland. Assumes the standard Personal Allowance (£12,570), no pension contributions, no student loan repayments, and no other deductions. Scotland uses different income tax bands. Your actual take-home pay will depend on your tax code and individual circumstances. For a precise figure use HMRC's income tax estimator at gov.uk.

This is an illustrative estimate for repayment mortgages only. It does not account for arrangement fees, valuation fees, insurance, early repayment charges, or future rate changes. Your actual monthly payments will depend on the lender's specific terms. Always get a personalised illustration from a mortgage lender or qualified broker before making any decisions.

This is an illustrative estimate. It treats your rate as AER and compounds monthly to reach that annual figure. It does not account for tax on interest, platform or fund fees, inflation, or changes to interest rates over time. Returns shown are not guaranteed. The value of investments can fall as well as rise.

Based on the 50/30/20 framework popularised by Elizabeth Warren. Treat these figures as a starting point only. The right split depends on your income, location, family situation, and financial goals. This is not personalised financial advice.

This is an estimate for a single student loan plan. Repayments are 9% of income above the threshold for Plans 1, 2, 4 and 5, and 6% for Postgraduate loans. Actual repayments can differ if you are paid weekly/monthly, receive bonuses, have more than one job, are self-employed, or repay more than one loan plan. Based on 2026/27 thresholds. If your salary is below the threshold your repayment is £0. Check gov.uk/repaying-your-student-loan for your exact plan details.

This is an illustrative estimate only. It does not include arrangement fees, optional payment protection insurance, or any other charges that may apply. The actual total cost of credit will be shown in your finance agreement, which is regulated under the Consumer Credit Act. Always check the Representative APR and total amount payable before signing. If you are unsure, seek independent financial advice.

Credit utilisation is calculated across all your credit cards combined. Staying below 30% is generally considered healthy. Below 10% is better still. These figures are illustrative — scoring models vary between Experian, Equifax, and TransUnion and are not publicly disclosed.

LTV brackets typically sit at 60%, 75%, 80%, 85%, 90%, and 95%. Lower LTV generally means better mortgage rates. Lenders set their own rate tiers and criteria — this is an illustrative guide only. Always get a personalised illustration from a lender or broker.

This is an illustrative estimate. It assumes your interest rate stays constant for the full term and that your lender allows overpayments without early repayment charges. Many lenders cap penalty-free overpayments at 10% of the outstanding balance per year. Check your mortgage terms before overpaying.

Your minimum payment is calculated on the balance after that month's interest is added, matching how most card statements work. This assumes no new spending on the card, no fees, and an interest rate that stays constant. Minimum repayment terms vary by provider, so treat this as a guide rather than an exact figure.