Mortgages
What would the monthly payment be?
Put in the borrowing, rate and term to see the payment and total cost.
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CALCULATORS
Run your own numbers
Five quick calculators covering mortgage repayments and overpayments, compound growth, retirement shortfalls and the effect of losing an income.
Mortgage repayment
The monthly payment on a repayment mortgage, the total interest over the term, and what the whole thing costs.
Open the calculatorMortgage overpayment
What paying extra each month does to the interest and the term, with early repayment charges accounted for.
Open the calculatorCompound interest
What a starting pot and a regular monthly amount turn into, and how much of the total is growth rather than contributions.
Open the calculatorRetirement shortfall
Where you are, where you want to get to, and the gap between the two in pounds a month.
Open the calculatorRisk reality
If the income stopped tomorrow, how long your own money would hold the line.
Open the calculatorThe Lucro tools
Put your own numbers through it.
Each tool is here on the page, so you can move between the decisions that sit together. They are starting points, not advice, but they make a useful first conversation more specific.
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Mortgages
What could a little extra do?
See the interest and time that a regular overpayment could take off the mortgage.
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Financial planning
What might the pot grow to?
Explore the effect of time, regular saving and an assumed annual growth rate.
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Financial planning
How close are you to the retirement you want?
See the gap between the pot you may build and the income you have in mind.
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Insurance
How much breathing room is there?
Use a simple view of protection and income resilience to see where a gap might be.
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Why these five
Each calculator deals with maths that does not depend on the latest Budget or a temporary allowance. You provide the figures, and the tool shows how changing them changes the result.
We have left out tax calculators because rates and allowances change. For those, use HMRC’s current tools or ask us to look at your circumstances.
For anything that depends on current rates and allowances, use the official HMRC tools, which are always up to date, or ask us.
How to read any calculator, including ours
A calculation is not a quote.
Nothing here is an offer, an illustration or a personal recommendation. It is arithmetic on the numbers you typed in.
Mortgage rates will change over the life of the loan.
The mortgage calculators assume one rate for the whole term. You will remortgage several times, so treat lifetime totals as illustrations of the shape rather than predictions of the number.
Charges, tax and inflation are not in these figures.
The compound interest calculator shows gross growth. Where the money sits changes the net result more than the growth rate usually does.
The number still needs context.
Which lender will say yes on your accounts, and whether the money is better in a pension than in the house, are judgement calls. Those are the bits worth a conversation.
Got a number and not sure what to do with it?
Bring the number with you. We can help you work out what it means for the wider decision.
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