Loans & mortgages calculators
Explore repayment schedules and compare borrowing scenarios using an agreed or assumed rate. The tools do not retrieve lender offers or decide mortgage eligibility; fees and contract rules must match the chosen model.
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- Mortgage Amortisation and Payment Breakdown Calculator
See a mortgage payment and the split between interest and principal over its term.
- Loan Overpayment and Early Payoff Calculator
Compare a loan schedule with and without extra repayments.
- Interest-Only Mortgage Payment Calculator
Compare interest-only payments with the principal still due.
- Mortgage Loan-to-Value Ratio Calculator
Measure total property-secured debt as a percentage of the supplied property value.
All loans & mortgages tools
Loan Overpayment and Early Payoff Calculator
Compare loan payoff dates and interest with regular or one-off extra payments, using a fixed rate and any early-repayment fees you enter.
Open calculator Loans & mortgagesMortgage Amount from Monthly Payment Calculator
Work back from a monthly mortgage budget to a loan amount and purchase budget using your chosen rate, term, housing costs and cash deposit.
Open calculator Loans & mortgagesLease or Buy a Car Cost Comparison Calculator
Compare buying a car with a known lease quote over the same horizon, including fees, running costs, resale value, remaining debt and discounting.
Open calculator Loans & mortgagesLoan Amortisation Schedule Calculator
Build a monthly loan schedule showing principal, interest and remaining balance, with adjustable rounding and a final payment that clears the debt.
Open calculator Loans & mortgagesMortgage Amortisation and Payment Breakdown Calculator
View a mortgage amortisation table and balance chart, with an optional rate reset and separately entered monthly housing costs alongside repayments.
Open calculator Loans & mortgagesBuy-to-Let Mortgage Repayment Calculator
Estimate monthly repayments and finance costs for a buy-to-let mortgage from a property price, deposit, quoted rate, term and upfront fees.
Open calculator Loans & mortgagesLease Payment Calculator: Annuity or Money Factor
Calculate monthly lease rentals from known capital, residual, fees and tax inputs using either a financial annuity or a quoted money factor.
Open calculator Loans & mortgagesMortgage Rate Stress Scenario Calculator
Compare mortgage payments at two chosen interest rates and see the stressed payment as a share of your monthly take-home income.
Open calculator Loans & mortgagesAnnuity Present and Future Value Factor Calculator
Find present and future value factors for equal periodic payments using a rate per period, payment count and beginning- or end-of-period timing.
Open calculator Loans & mortgagesInterest-Only Mortgage Payment Calculator
Calculate interest-only payments, later amortising repayments and any principal due at maturity using a fixed nominal rate and stated term.
Open calculator Loans & mortgagesOffset Mortgage Payment and Payoff Calculator
Model eligible offset savings against mortgage interest, choosing reduced payments or earlier payoff under the offset treatment in your contract.
Open calculator Loans & mortgagesOverdraft Interest and Fee Calculator
Estimate overdraft charges from dated balances, an authorised limit, separate authorised and excess rates, a day-count basis and known fees.
Open calculator Loans & mortgagesLine of Credit Daily Interest Calculator
Calculate simple daily interest on a credit line from opening debt, dated drawdowns and repayments, a known rate, credit limit and separate fees.
Open calculator Loans & mortgagesFixed-Term Annuity Withdrawal Calculator
Calculate equal monthly withdrawals from capital over a chosen term, with an assumed return, payment timing and an optional amount retained at the end.
Open calculator Loans & mortgagesCredit Card Repayment and Payoff Calculator
Find a credit-card payoff time or a monthly payment for a target term, using a fixed rate, monthly fee and no further spending on the card.
Open calculator Loans & mortgagesMortgage Payoff Time Calculator
Find the number of monthly payments needed to clear a mortgage balance at a fixed rate and chosen payment, including the smaller final payment.
Open calculator Loans & mortgagesCar Purchase Budget and Trade-In Equity Calculator
Estimate a car purchase budget from income, spending, running costs, deposit and finance terms, including positive or negative trade-in equity.
Open calculator Loans & mortgagesBalloon Loan Payment and Final Balance Calculator
Find monthly payments from a known balloon, or calculate a balloon from regular payments or a longer amortisation term at a fixed interest rate.
Open calculator Loans & mortgagesBridging Loan Interest and Exit Cost Calculator
Estimate net advance and exit cost for a bridging loan with serviced, retained or rolled interest, using quoted rates and known upfront and exit fees.
Open calculator Loans & mortgagesCar Loan Refinance Cost Comparison Calculator
Compare an existing car loan with a refinance quote over a common horizon, including fees, remaining balances, monthly payments and full-term interest.
Open calculator Loans & mortgagesDebt-to-Income Ratio Calculator
Measure monthly debt payments against gross or take-home income, converting weekly and other income periods to a consistent monthly basis.
Open calculator Loans & mortgagesMortgage Loan-to-Value Ratio Calculator
Calculate the combined mortgage loan-to-value ratio from a supplied property value and all included secured debt, without assuming lender limits.
Open calculator Loans & mortgagesMortgage Balance After Payments Calculator
Estimate mortgage principal remaining after a known number of regular payments and monthly extras, using the original balance, rate and term.
Open calculator Loans & mortgagesLoan Interest Rate from Payments Calculator
Infer a loan's monthly, nominal annual and effective annual rates from principal, equal monthly payments, term and any final additional balloon.
Open calculator Loans & mortgagesBlended Interest Rate Calculator for Loan Balances
Find the principal-weighted average interest rate across loan balances quoted in one currency and on the same annual-rate convention.
Open calculator Loans & mortgagesNet Present Value Calculator for Dated Cash Flows
Discount dated project cash flows to a chosen valuation date using an effective annual rate and Actual/365 timing to calculate net present value.
Open calculator Loans & mortgagesPresent Value of a Future Amount Calculator
Discount a future receipt or payment using your effective annual rate and elapsed years, including fractional years, without assuming a market quote.
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