The mortgage and retirement planner
toolbox.
See what a mortgage costs with overpayments, project a pension pot and the income it can pay, and link on to UK tax and stamp duty.
Keep this toolbox for offline use
12 useful places to start.
Illustrations from the figures you enter. Real lenders may calculate interest daily, and returns are never constant. Not financial advice.
Mortgage calculator with overpayments and chart
Mortgage payment, total interest and payoff time with overpayments, a fixed rate then a reversion rate, a chart and a downloadable monthly schedule.
Loan overpayment calculator
Compare an additional monthly payment with a fixed-rate repayment schedule.
Loan repayment calculator
Estimate fixed monthly payments and download an amortisation schedule.
Retirement pot and drawdown projection
Project a retirement pot from contributions, returns, charges and inflation, then see how long an income lasts, with a chart, yearly table and lower-returns check.
Savings goal calculator
Work out a monthly contribution or time to reach a savings target.
Compound interest calculator
Explore a savings balance with regular contributions and compounding.
Inflation-adjusted return
Compare an effective return with inflation over the same period.
Inflation & purchasing power
Explore future prices and the present purchasing power of an amount.
Savings withdrawal scenario
See how a constant monthly withdrawal changes a starting balance.
Effective annual rate calculator
Compare a nominal annual rate with its compounded annual equivalent.
UK stamp duty calculator (SDLT, LBTT, LTT)
Work out stamp duty for a UK property purchase in England, Northern Ireland, Scotland or Wales from the rates in force on the transaction date, with sources and a review date.
UK take-home pay calculator
Estimate UK take-home pay after income tax, National Insurance, student loan and pension, using dated GOV.UK and HMRC rates for 2026/27 and 2025/26.
A few things you
can tick off.
- Compare a mortgage with and without overpayments
- Project a pension pot to retirement
- Estimate how long a pot lasts