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How much can you borrow based on your income and outgoings?
See your exact monthly payment for any mortgage amount, rate and term.
Work backwards from a monthly payment to find your maximum mortgage.
Is it better to buy or rent and invest the difference?
Stamp duty, solicitor fees, government schemes — all explained.
See how much you save by overpaying your mortgage each month.
Compare your current deal to a new rate.
Monthly payments and total interest for any loan amount, rate and term.
Compare multiple rates and terms side by side to find the cheapest deal.
See how much you save by overpaying your loan each month.
Enter your starting balance, monthly deposits and interest rate to see how your savings grow over time.
Compare a Cash ISA against a standard savings account with monthly contributions — see the real tax saving.
25% free government bonus on up to £4,000/year. Compare lump sum vs monthly saving and see how much you get for free.
How much do you need to save each month to reach your target by a specific date?
Calculate monthly payments and total cost for a business loan or commercial mortgage.
Estimate your company tax bill including marginal relief for profits between £50k–£250k.
Compare take-home pay as a limited company director versus a sole trader.
How much will your pension be worth at retirement?
Correct PIA calculation using your statement figures — carry forward and tapering.
DC pot, final salary pension or both — with early retirement reduction charts.
See exactly what lands in your bank account after income tax, NI and deductions.
Estimate your bill from employment, self-employment, property and dividend income.
How much tax will you pay on dividends in the current tax year?
How much life cover do you actually need?
What would happen to your finances if you could not work?
See the extraordinary power of compound growth over time.
How much do you need to invest each month to reach your target?
Should your extra savings go into an ISA or a pension?
Cashback, Avios, hotel points and companion vouchers — what is genuinely worth it and when the maths does not add up.
See exactly how long it takes to clear your balance and the total interest you will pay.
Is a 0% balance transfer worth it? Calculate the fee versus the interest saving.
See how long it takes and how much it costs if you only make the minimum monthly payment.
Find out how much you could borrow based on your income, deposit and outgoings
| Lender Type | Multiple | Est. Max Loan |
|---|---|---|
| Conservative | 4.0× | — |
| Standard | 4.5× | — |
| Stretched | 5.0× | — |
| Maximum | 5.5× | — |
You know what you can borrow — now compare live mortgage rates from over 90 lenders.
🔍See exactly what you'll pay each month and the total interest cost
See how your payment changes across different lenders — live rates updated daily.
🔍Tell us what you can afford monthly — we'll show how much you could borrow
A broker can find the best rate for your exact situation — often for free.
🔍Calculate monthly payments, total cost and total interest for any personal loan
Comparing rates takes 2 minutes and does not affect your credit score.
🔍Calculate PCP, HP and personal loan payments — and compare the true total cost
Compare car finance options — PCP, HP and personal loans — with no impact on your credit score.
🚗Enter your car details once — we compare every number side by side
Ready to apply? Compare PCP and HP deals from multiple lenders.
🔍PCP vs HP vs cash vs leasing — all explained honestly with damage charges, VED and depreciation
| Method | Monthly | Total | Own it? | Mileage limit? |
|---|---|---|---|---|
| 💰 Cash | £0/mo | £25,000 | Immediately | None |
| 🏦 Personal Loan | ~£490 | ~£26,500 | Immediately | None |
| 🔑 HP | ~£520 | ~£27,500 | End of term | None |
| 📋 PCP | ~£320 | ~£29,500+ | Balloon only | Yes — strict |
| Damage Type | Typical Charge |
|---|---|
| Paintwork scratch (over 25mm) | £75–£300 per panel |
| Alloy wheel scuffs | £50–£150 per wheel |
| Dent / ding | £100–£400 per panel |
| Windscreen chip | £100–£500 |
| Excess mileage | 3p–30p per mile |
| CO2 (g/km) | First Year | Year 2+ Standard |
|---|---|---|
| 0g/km (EV) | £10 | £195/yr |
| 1–50g/km (PHEV) | £110 | £195/yr |
| 51–100g/km | £130–£360 | £195/yr |
| 101–150g/km | £440–£1,360 | £195/yr |
| 151–225g/km | £2,190–£4,680 | £195/yr |
| Over 255g/km | £5,490 | £195/yr |
Reliability data, warranty guide and true cost of ownership calculator
Insurance, fuel, tyres, parking, ULEZ, congestion charges — every cost in one place
Compare a Cash ISA against a standard savings account — including monthly contributions
You have seen the numbers — a Cash ISA shelters your interest from tax for life. Open one in minutes.
🏦25% free government bonus on your savings — see how much the LISA beats a regular ISA over time
Compare putting in a lump sum at the start versus spreading your contributions monthly. See exactly how much the government bonus adds up to.
Ready to open one? You need to be between 18–39. The bonus is paid monthly into your account.
💜Defined contribution pot, final salary pension, or both — calculate your total retirement income
A regulated financial adviser can model your exact retirement income using your real figures.
🐝A proper financial comparison including investing the difference
What is a mortgage, stamp duty, all costs, government schemes and more — explained simply
| Cost | Typical Amount | Notes |
|---|---|---|
| Stamp Duty | £0–£30,000+ | Use the calculator below |
| Solicitor / Conveyancer | £1,500–£3,000 | Shop around — prices vary |
| Survey | £300–£1,500 | Always worth doing |
| Arrangement Fee | £0–£2,000 | Some deals charge to set up |
Cashback, air miles, hotel points and companion vouchers — what's genuinely worth it and what's a marketing illusion
| Redemption type | Avios value | Verdict |
|---|---|---|
| Long-haul business class | 3–6p each | ✅ Excellent value |
| Long-haul first class | 4–8p each | ✅ Best possible use |
| Short-haul business (Club Europe) | 1.5–2.5p each | ⚠️ OK if no sale fares |
| Short-haul economy (e.g. London–Edinburgh) | 1–1.5p each | ⚠️ Sometimes worth it |
| Long-haul economy | 0.7–1.2p each | ❌ Often poor — check cash price |
| Avios Shop / retail vouchers | 0.5–0.8p each | ❌ Avoid — very poor return |
| Upgrade using Avios | 0.5–1p each | ❌ Usually bad value |
| Your situation | Best card type | Why |
|---|---|---|
| High spender, pays in full, wants simplicity | Cashback | Guaranteed return, no complexity, no expiry |
| Shops heavily at one supermarket | Supermarket points | Stacks with existing loyalty card |
| Stays in hotels for work, wants upgrades | Hotel points | Status benefits + free nights on same chain |
| Flies business class, flexible dates, patient | Airline miles | Best value per point when used for premium cabins |
| Flies economy 1–2x per year on sale fares | Cashback | Miles system unlikely to beat sale fares in practice |
| Wants max flexibility, multiple airlines | AMEX MR points | Transfer to Avios, Virgin, Singapore etc. — best availability |
Compare multiple rates and terms side by side to find the cheapest deal
Ready to apply? Get a personalised rate — checking eligibility does not affect your credit score.
🔍See how much you save by overpaying your loan
If your fixed rate is ending soon, now is a good time to compare remortgage deals.
🔍See exactly how long it takes and the total interest you will pay
If you are paying interest, a 0% balance transfer card could save you hundreds. Check your eligibility — it is a soft search only.
🔍Is a 0% balance transfer worth paying the fee?
Check your eligibility for the best deals — soft search only, no impact on your credit score.
🔍The true cost of only ever making the minimum monthly payment
A balance transfer to 0% or a consolidation loan could slash your interest costs.
🔍See how your savings grow over time with compound interest
Interest rates on savings vary enormously. Compare cash ISAs and easy-access accounts to make sure you are getting the best rate.
🏦How much do you need to save each month to reach your goal?
The right account depends on your timeline — fixed-rate bonds for longer goals, easy access for shorter ones.
🏦Monthly payments and total cost for a business loan
Compare business loans, overdrafts and asset finance — with no obligation.
🏢Estimate your company tax bill including marginal relief
An accountant experienced in owner-managed businesses can often save far more than their fee.
📋Compare take-home pay under each structure
Whether you go Ltd or sole trader, having the right bank account and accountant makes a big difference.
💼Project how much your pension could be worth at retirement
A financial adviser can help you check you are on track and making the most of your allowances.
🐝Accurate pension input calculation using your actual statement figures — including carry forward
The NHS pension is one of the most complex in the UK. A specialist adviser can run your exact figures and model scheme pays options.
👤See exactly what lands in your bank account after tax and NI
Pension contributions, salary sacrifice and ISAs can all reduce your tax bill. A financial adviser can find what works for your situation.
👤Estimate your annual self-assessment tax bill from all income sources
An accountant can often save you more than they cost — particularly if you have multiple income sources.
📋Calculate tax on dividends in the current tax year
An accountant or IFA can help you extract profit from your company in the most tax-efficient way.
📋How much life cover do you actually need?
You know how much cover you need — now compare quotes from multiple insurers in minutes.
🔍What happens to your finances if you cannot work?
Income protection premiums vary hugely — comparing could save you hundreds per year for the same cover.
🔍See the extraordinary power of compound growth over time
Compound growth only works if your money is actually invested. Open an account and put it to work.
📈How much do you need to invest each month to reach your target?
The best investment is one you actually start. Open a stocks and shares ISA and begin today.
📈Should your extra savings go into an ISA or a pension?
Whether ISA or pension wins for you, the important thing is to start. Both accounts are available online in minutes.
📈How we handle your data, our affiliate relationships and our terms of use
Cookie-Free.co.uk is a free financial calculator and information website. We provide tools to help UK residents understand their finances. Nothing on this site constitutes financial advice. All calculators produce estimates for information purposes only.
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Last updated: March 2026