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Mortgages & Money

Mortgages & Money Calculators

Use simple calculators to estimate affordability, repayments, stamp duty, remortgage savings, debt repayment and retirement income.

Tools & checkers

Money 2 min check

Take-Home Pay Calculator (2025/26)

Estimate your monthly take-home after Income Tax, NI and student loan.

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Money 1 min check

Income Tax Calculator

Estimate UK Income Tax across personal allowance and bands.

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Money 1 min check

National Insurance Calculator

Estimate Class 1 employee or Class 4 self-employed NI.

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Money 1 min check

Student Loan Repayment

Monthly student loan deduction across Plan 1, 2, 4, 5 and PG.

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Money 2 min check

Salary Sacrifice Calculator

See your tax and NI saving from sacrificing salary into pension.

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Money 1 min check

Bonus Tax Calculator

Work out exactly what you'll keep from a one-off or annual bonus.

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Money 2 min check

Self-Employed Tax Calculator

Estimate Self Assessment for sole traders — tax + Class 4 NI.

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Money 2 min check

Dividend Tax Calculator

Tax on UK dividends after the £500 allowance.

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Money 2 min check

Director Salary Calculator

Optimal salary + dividend mix for a Ltd company director.

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Money 2 min check

IR35 Calculator

Inside vs Outside IR35 take-home comparison.

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Money 1 min check

Capital Gains Tax Calculator

Estimate UK CGT on shares or property using current bands.

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Money 1 min check

Compound Interest Calculator

Project savings growth with regular contributions over time.

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Money 1 min check

ISA Calculator (2025/26)

Project Cash, Stocks & Shares or Lifetime ISA growth.

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Money 2 min check

Mortgage Affordability Calculator

How much you may be able to borrow based on income and outgoings.

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Money 1 min check

Mortgage Repayment Calculator

Monthly repayments at different rates and terms.

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Money 1 min check

Stamp Duty Calculator

Stamp duty due on a property purchase in England & NI.

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Money 2 min check

Remortgage Savings

Compare your current deal with available rates.

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Money 1 min check

Debt Repayment Calculator

How long to clear debts and interest you'd pay.

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Money 1 min check

Emergency Fund Calculator

Recommended buffer for your situation.

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Money 2 min check

Retirement Savings

Project your pension pot and sustainable income.

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Money 2 min check

Pension Gap Calculator

Gap between projected pension and retirement goal.

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Money Live

Amortization Schedule

Year-by-year breakdown of interest vs principal on a mortgage.

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Money Live

Savings Goal Calculator

Monthly contribution needed to hit a savings target.

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Money Live

Inflation Calculator

Past and future purchasing power at any inflation rate.

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Money Live

ROI Calculator

Total and annualised return on any investment.

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Money Live

Future / Present Value

Time value of money — discount a future sum or grow today's lump.

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Money Live

Mortgage Deposit Calculator

Deposit needed to hit each LTV tier and unlock better rates.

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Money Live

Mortgage Overpayment Calculator

See years and interest saved by overpaying each month.

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Money Live

Bi-Weekly Mortgage Calculator

Pay half every fortnight — equivalent to 13 monthly payments per year.

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Money Live

Mortgage Payoff Calculator

Required monthly payment to clear the mortgage by a target date.

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Popular questions

In-depth Money articles

Long-form, plain-English guides researched for UK readers.

Mortgages & Money· 9 min read

How Much Mortgage Can I Afford? A 2026 UK Guide

How UK lenders calculate mortgage affordability in 2026, including income multiples, stress tests, deposit size, credit and the real cost of monthly payments.

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Mortgages & Money· 8 min read

Stamp Duty in 2026: Bands, First-Time Buyers and Second Homes

Updated UK Stamp Duty Land Tax bands for 2026, first-time buyer relief, second home and additional property surcharge, plus non-resident SDLT explained.

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Mortgages & Money· 8 min read

Remortgaging in the UK 2026: Timing, Costs and Pitfalls

When to remortgage in 2026, how product transfers compare, exit fees, valuations, broker vs direct and the real costs of switching versus staying.

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Mortgages & Money· 7 min read

UK Debt Repayment Strategies 2026: Snowball, Avalanche and DMPs

How to pay off UK debt faster in 2026: snowball vs avalanche method, balance transfers, debt management plans, IVAs and where to get free advice.

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Money & Mortgages· 8 min read

UK Pension Tax Relief Explained: Maximising Your Contributions in 2026

How UK pension tax relief works in 2026: the annual allowance, MPAA, tapered allowance, carry forward rules and how higher-rate taxpayers claim their full relief.

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Money & Mortgages· 8 min read

UK ISA Allowance 2026: Cash, Stocks, LISA and the Best Use of £20,000

How the £20,000 UK ISA allowance works in 2026: Cash ISA, Stocks & Shares, Lifetime ISA, the new flexibility rules, and how to choose the best mix.

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Money & Mortgages· 8 min read

UK Take-Home Pay 2025/26: Tax, NI and Salary Sacrifice Explained

How UK take-home pay is calculated in 2025/26 — Income Tax bands, NI thresholds, the Personal Allowance taper and how salary sacrifice can save you hundreds.

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Money & Mortgages· 8 min read

UK Capital Gains Tax 2026: Rates, Allowance and Reliefs Explained

How UK Capital Gains Tax works in 2025/26 — the £3,000 annual exemption, rates for shares and property, Business Asset Disposal Relief and how to reduce a CGT bill legally.

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Money & Mortgages· 8 min read

UK Mortgage Repayments Explained: Interest, Term and Overpayments

How UK mortgage repayments are calculated, the impact of term length and overpayments, fixed vs tracker rates and the maths behind shaving years off your mortgage.

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Money & Mortgages· 7 min read

UK Emergency Fund: How Much You Need and Where to Keep It in 2026

How big your UK emergency fund should be in 2026, the best easy-access accounts, when 3 months is enough and when you need 12, and how to build one fast.

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Quick guides

Money

How much mortgage can I afford?

What lenders look at and how to estimate a realistic borrowing range.

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Need help after using a checker?

Where appropriate, Checks Out can help you understand the type of professional you may need, such as a solicitor, broker, adviser, installer, relocation agent or property specialist.

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