Free calculators
Borrowing calculators
Estimate loan and mortgage payments, compare renting and buying or car ownership costs, plan debt repayment and weigh mortgage overpayments against investing.
Borrowing tools
Car loan, lease and ownership calculator
Compare buying, leasing or keeping a car over the same period. Include loan payments, depreciation, negative equity and electric or petrol running costs.
Open calculator →borrowingDebt payoff calculator: avalanche and snowball
Compare debt avalanche, snowball and consolidation payoff plans. Include promotional rates, minimum payments, transfer fees and protected emergency cash.
Open calculator →borrowingLoan and EMI calculator
Calculate monthly loan payments, total interest and payoff time. Compare flat and reducing interest, extra payments and an amortization schedule.
Open calculator →borrowingMortgage payment and affordability calculator
Estimate mortgage payments and total housing costs. Check after-tax affordability, deposit requirements, cash reserves and income-loss scenarios.
Open calculator →borrowingMortgage overpayment versus investing calculator
Compare mortgage overpayments with investing spare cash. See payoff dates, end wealth, liquidity and simulated outcomes using equal monthly budgets.
Open calculator →borrowingRent versus buy calculator
Compare renting and buying over the same period, including mortgage costs, rent growth, home value changes, transaction costs and invested savings.
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