Money & finance.
Free UK money calculators for mortgages, loans, credit cards, savings and compound interest. Plan repayments, compare borrowing costs and see what interest adds up to over time.
10 calculators
Mortgage
Estimate monthly repayments and total interest on a repayment mortgage.
Mortgage overpayment
See how much interest you save and how much sooner you are mortgage-free by overpaying each month.
Loan repayment
Work out a fixed monthly payment and the overall cost of a loan.
Car finance
Work out monthly car finance payments for hire purchase (HP) or PCP, with your deposit, APR, term and an optional balloon payment.
Investment return
See what your money could earn each month and each year in a bank savings account, cash ISA, stocks and shares ISA, S&P 500 index fund or investment fund, from £50 to £50 million.
Compound interest
See how an initial amount grows with interest on interest.
Savings
Explore the effect of regular monthly deposits on your savings.
Credit card payoff
Find how long a fixed monthly payment takes to clear a balance.
Which credit card to pay off first
Compare paying off the highest-interest card first with the smallest balance first, and see which saves more.
Mortgage affordability
Explore a simple income-multiple estimate of a home-buying budget.
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Borrowing, saving and the cost of interest
Interest works the same way whether it is helping you or costing you: the rate, the time and how often it compounds decide the result. The compound interest and savings calculators show how regular deposits grow, and why starting earlier matters more than the exact rate. To compare a bank account, an ISA, an S&P 500 fund and other investments side by side, use the investment return calculator; for buying a car, the car finance calculator compares HP and PCP.
For a home, begin with mortgage affordability to see a realistic borrowing range, then the mortgage calculator for the monthly payment. If you already have a mortgage, the overpayment calculator shows how much interest and time small extra payments save.
For debts, the loan repayment and credit card payoff calculators show the true total cost. With more than one card, which card to pay off first compares two cards to show which one to clear first so you pay the least interest overall.
These tools are for planning. Lenders set their own rates and criteria, so treat results as a guide before you speak to one.