Mortgages & Property
Work out monthly payments, total interest, amortisation schedules, and what overpaying saves — for UK and US mortgages.
UK Mortgage Repayment Calculator
Monthly payment, total interest, and full amortisation schedule for UK repayment and interest-only mortgages.
US Mortgage Calculator
Monthly payment including property taxes and insurance (PITI), total interest, and amortization schedule.
Buy-to-Let Calculator
Gross and net rental yield, monthly cash flow, and the real post-tax profit after Section 24 mortgage interest restrictions.
Mortgage Overpayment Calculator
See how much interest and time monthly overpayments or a lump sum knock off your mortgage.
Remortgage Calculator
Compare a new mortgage deal against your current deal. Find monthly savings, net benefit over your deal term, and break-even periods after all fees.
Stamp Duty Calculator
SDLT, LBTT and LTT for 2026/27 — first-time buyer relief, additional dwellings surcharge, and non-UK resident surcharge for England, Scotland, and Wales.
Second Home Stamp Duty Calculator
The stamp duty surcharge on a second home, holiday home, or buy-to-let — 5% SDLT surcharge in England & N. Ireland, 6% LBTT in Scotland, 4% LTT in Wales for 2026/27.
Mortgage Affordability Calculator
How much can you borrow? Income multiples from 4× to 5.5×, monthly repayments at your chosen rate, and the PRA stress test at rate + 3%.
Rent vs. Buy Calculator
Compare the financial outcome of renting and investing cash versus buying a home and building equity.
Rent Affordability Calculator
Work out how much rent you can afford from gross income, take-home pay, debts, savings goals, utilities, and insurance.
HELOC & Home Equity Loan Calculator
Estimate borrowing capacity and draw/repayment phase payments for a Home Equity Line of Credit.
US Mortgage Refinance Calculator
Calculate monthly savings, total interest reduced, and the break-even month for refinancing a US home loan.
Airbnb / Holiday Rental Calculator
Estimate Airbnb and holiday-let income after platform fees, cleaning, and maintenance — plus the income tax due on the profit.
Mortgage Points Calculator
Calculate the cost and break-even point of buying mortgage discount points to lower your interest rate.
Reverse Mortgage Calculator
Estimate available proceeds from a HECM reverse mortgage based on home value, existing mortgage balance, and age, plus line-of-credit growth over time.