Free property calculators
Mortgage repayment, affordability, rent vs buy, rental yield, commission and cost per enquiry. No sign-up, no ads, and the maths is shown under every one.
Home loan
Mortgage payment
Monthly repayment, total interest and the true cost of the loan.
Home loanOverpayment saving
What paying extra each month actually saves.
Home loanInterest vs principal
Where each payment actually goes, year by year.
Home loanRefinance break-even
Whether switching lender is worth the fees.
Home loanOverpay or invest
Guaranteed interest saved vs an assumed return.
Home loanBorrowing power
Start from the payment, not the property price.
Home loanRate change impact
What a rate move does to your payment and your total.
Home loanBridging loan cost
The real cost of short-term property finance.
Home loanFee vs rate comparison
Whether the low rate with a big fee is really cheaper.
Home loanOffset mortgage benefit
Whether offsetting beats leaving the money in savings.
Home loanPayment holiday cost
What pausing payments costs across the rest of the loan.
Home loanInterest only vs repayment
The monthly saving, and what it costs in the end.
Home loanMortgage term comparison
What a shorter term costs monthly and saves overall.
Home loanMortgage insurance
What high-LTV insurance costs, and when it stops.
Home loanFixed or variable
The rate path at which fixing stops being worth it.
Home loanStandard variable rate cost
What every month on the lender default rate costs.
Home loanFortnightly vs monthly
Where the fortnightly saving actually comes from.
Home loanWhen to pay a lump sum
The same lump sum, worth very different amounts.
Home loanMortgage term and your age
The longest term your age allows, and what it costs.
Buying
What you can afford
From income and deposit to a realistic asking price.
BuyingRent vs buy
The answer depends mostly on how long you stay.
BuyingDeposit savings plan
The deposit you need, and how long it takes to save it.
BuyingClosing costs
Total cash to complete, not just the deposit.
BuyingPrice per square foot
The only fair way to compare two properties.
BuyingJoint ownership split
A fair split when the deposits are not equal.
BuyingBuying abroad — true cost
The real cost once the exchange rate margin is counted.
BuyingExtend or move
The cheaper route to the space you need.
BuyingJoint income affordability
What two incomes borrow, after existing commitments.
BuyingBigger deposit, better rate
What crossing an LTV threshold is really worth.
BuyingBuy now or wait
Whether saving longer actually leaves you better off.
BuyingWhat to offer
An opening number and a walk-away number, decided in advance.
BuyingRenegotiate after a survey
Turn survey findings into a defensible number.
BuyingCost of a failed purchase
What you lose if the transaction collapses.
BuyingOff-plan exposure
What is committed, and what a down-valuation would cost.
BuyingPart buy, part rent
Mortgage plus rent plus charges, the real monthly figure.
BuyingBanded transfer tax
Stamp duty and transfer tax, with your own local bands.
BuyingGifted deposit impact
What a family gift saves across the whole mortgage.
BuyingAuction buyer costs
The real cost above the hammer price.
BuyingCost of bidding higher
What each step above your target actually costs.
BuyingChain risk
How the odds fall as a chain gets longer.
BuyingSelf-employed income
The income a lender actually uses, not the one you earned.
BuyingNew build premium
What the new build costs extra, and when it evens out.
BuyingTitle indemnity
Insuring a title defect against putting it right.
Owning
Home equity
What you own outright, and what could be borrowed against it.
OwningRenovation return
Whether the work adds more value than it costs.
OwningProperty appreciation
Future value, and what it is worth in today money.
OwningRebuild cost for insurance
Insure for what it costs to rebuild, not what it sells for.
OwningEnergy upgrade payback
How long an efficiency upgrade takes to pay for itself.
OwningSolar payback
What solar saves, and when it pays for itself.
OwningHeating cost comparison
Which heating system actually costs less to run.
OwningProperty tax estimate
The annual charge, from assessed value and local rate.
OwningSecond home running cost
The annual cost, and the cost of each night you stay.
OwningDownsizing benefit
The cash released, after every cost of moving.
OwningRolled-up interest
How a released sum grows when nothing is repaid.
OwningHome charger payback
How fast a home charger repays its installation.
OwningService charge forecast
What a service charge compounds to over a decade.
OwningEscalating ground rent
What a doubling clause costs over a lease.
OwningInsurance excess choice
Whether the higher excess is worth the lower premium.
OwningMaintenance budget
What to set aside each month for a building that ages.
OwningReplacement fund
What to save monthly for a replacement you can see coming.
OwningRepair or replace
Cost per year of life, which is the only fair comparison.
OwningHome office share
The share of home costs attributable to working there.
OwningTax appeal value
What a successful assessment challenge is worth.
OwningUnder-insurance check
Whether your cover has quietly fallen behind rebuild costs.
OwningHousing cost in retirement
What the home takes out of a pension each month.
OwningShort lease value
What a running-down lease does to value.
OwningBuying the freehold
What buying out the freeholder should cost.
OwningFlood risk cost
What flood risk costs, and whether measures repay.
OwningWater meter saving
Whether a meter would cost you less than the fixed charge.
OwningBoundary dispute cost
Whether fighting is worth more than settling.
OwningHome adaptation cost
Adaptations against the cost of the alternative.
Selling
Seller net proceeds
The cheque you actually receive after every deduction.
SellingPrice reduction
Whether cutting the price beats waiting another month.
SellingHolding cost
What every extra month on the market really costs.
SellingPrice bracket check
Whether your price puts you in front of buyers at all.
SellingAuction reserve
The reserve you need to walk away with your number.
SellingSale timeline cost
How long a sale takes, and what the wait costs.
SellingComparable adjustment
Turn one similar sale into a value for yours.
SellingOff-market sale
What a private offer has to beat to be worth taking.
SellingPart exchange
The developer discount against the fees and time it saves.
SellingSelling an inherited property
What waiting for the open market is worth per month.
Renting
Rent affordability
A rent you can sustain, not just qualify for.
RentingRent increase
What yearly rises compound to over a tenancy.
RentingShared rent split
A fair share when the rooms are not equal.
RentingCost of moving
Everything a move costs before you have the keys.
RentingRental income requirement
The income a landlord will want to see.
RentingDeposit deduction check
What a deduction is worth once age is accounted for.
RentingLeaving a tenancy early
What leaving a tenancy early costs against staying liable.
RentingArrears payment plan
Whether a repayment plan clears the debt in time.
RentingDeposit replacement
A recurring fee against money you get back.
Investing
Rental yield
Gross, net, and what your own cash actually returns.
InvestingLandlord cash flow
What a let property leaves after every cost.
InvestingCap rate
Net operating income against price, the investor measure.
InvestingBreak-even rent
The lowest rent that still covers every cost.
InvestingCapital gain
Real profit after every cost, then after tax.
InvestingCash-on-cash return
What your own money earns, not what the building earns.
InvestingGross rent multiplier
The fastest first filter on a rental listing.
InvestingRent-to-price rule
A thirty-second screen on any rental listing.
InvestingDebt service coverage
The ratio lenders use to size an investment loan.
InvestingTotal return
All four ways a rental property makes money, in one number.
InvestingRental stress test
The cover test that decides your buy-to-let loan size.
InvestingCost of a void
What every empty day costs a landlord.
InvestingHoliday let income
What a short-term let earns after every deduction.
InvestingShort let vs long let
The net difference, and what it costs you in hours.
InvestingPortfolio loan-to-value
Aggregate gearing, and what is left to borrow.
InvestingRent guarantee insurance
How likely a claim must be for the premium to pay.
InvestingSelf-manage or use an agent
What managing it yourself actually pays per hour.
InvestingIs your rent keeping pace?
What the rent would be if it had kept pace with inflation.
InvestingManagement fee check
The true percentage a letting agent takes.
InvestingArrears recovery
Whether chasing arrears beats cutting the losses.
InvestingRoom-by-room letting
What a multi-let actually nets after bills and voids.
InvestingProperty vs the market
The comparison once transaction costs are counted.
InvestingStudent let yield
Net yield when the year is only partly let.
InvestingMixed-use apportionment
Splitting a building by value, not just by area.
InvestingLandlord cash reserve
The buffer a portfolio needs to survive a bad year.
InvestingRefurbish and sell
What a flip nets once every cost is counted.
InvestingRent-to-rent margin
The margin, and the occupancy that wipes it out.
InvestingSourcing fee check
Whether the discount survives the sourcing fee.
InvestingParking space income
What a spare space earns, and what it adds to value.
InvestingAnnexe income
What a separate unit returns on the cost of building it.
InvestingValuation from yield
Income into capital value, and how sensitive it is.
InvestingInternal rate of return
One annualised number for a whole holding period.
InvestingLeverage effect
What borrowing does to returns, both ways.
InvestingHold or sell now
Whether holding beats releasing the capital.
InvestingOverseas rental income
What foreign rent is worth once it reaches your account.
InvestingREIT or direct ownership
Listed property against a building you own.
InvestingShort-let compliance cost
The regulatory cost of running a short let.
InvestingEfficiency standard cost
What compliance costs against the rent it protects.
InvestingSubdivision value
Whether splitting a property creates value or destroys it.
Agents
Agent commission
What the deal pays you, not what it pays the office.
AgentsCost per enquiry
The number that settles most advertising arguments.
AgentsCommission split
From gross commission to what lands in your account.
AgentsDeals to hit target
Turn an income goal into a number of deals.
AgentsLead conversion funnel
How many leads a sales target really needs.
AgentsMarketing return
What each unit of advertising spend brings back.
AgentsAgency break-even
The deals a month that cover your costs.
AgentsLettings book value
What a managed portfolio earns, and what it is worth.
AgentsReferral value
What a referral relationship is actually worth.
AgentsAsking vs sold ratio
How close your asking prices come to reality.
AgentsViewings per offer
The viewing volume a sales target actually needs.
AgentsDesk cost
What one seat in the office actually costs.
AgentsStaff cost per deal
What each transaction costs in salary and overhead.
AgentsPortal subscription return
What the portal spend brings back in fees.
Measurement
Land area converter
Every common area unit, converted at once.
MeasurementFlooring cost
Materials, waste allowance and fitting, from room size.
MeasurementPaint quantity
How much paint a room actually needs.
MeasurementConcrete quantity
Volume, weight and cost for a slab or footing.
MeasurementRoofing quantity
True roof area from the plan, allowing for pitch.
MeasurementBrick quantity
Bricks, mortar and cost for any wall.
Commercial
Total occupancy cost
What a commercial lease really costs per square foot.
CommercialRent-free period value
What a lease really costs once incentives are counted.
CommercialService charge share
Your share of the building costs, checked.
CommercialRent review uplift
The new rent once caps and collars are applied.
CommercialBreak clause value
Whether exercising the break actually saves money.
CommercialDilapidations estimate
The exit liability, and the cap that limits it.
CommercialTurnover rent
Base rent plus a share of sales, and where it starts.
CommercialSale and leaseback
The cash released, and what it has to earn to be worth it.
CommercialCovenant strength
What the tenant credit is worth in capital value.
CommercialEmpty property tax
What an empty commercial unit costs to hold.
CommercialCommercial fit-out cost
A fit-out budget that includes what quotes leave out.
Development
Residual land value
The most a site is worth once everything is paid for.
DevelopmentBuild cost estimate
The construction budget, not just the builder quote.
DevelopmentFloor area ratio
How much floor space a plot actually permits.
DevelopmentConstruction finance cost
What funding a build actually costs before it sells.
DevelopmentLand holding cost
What holding land through planning really costs.
DevelopmentBuilding heat loss
The heat a building loses, and the boiler it needs.
DevelopmentDemolition cost
Clearing the site, including what the quote omits.
DevelopmentPlanning application cost
What an application costs before any decision.
DevelopmentParty wall cost
What notifiable works cost in surveyor fees.
DevelopmentScaffolding cost
Erection, hire by the week, and the permit.
DevelopmentWaste disposal cost
Skips needed once waste bulks up, and what they cost.
DevelopmentRetention and stage payments
What each stage pays, and what is held back.
DevelopmentSelf-build budget
Everything a self-build costs, against what it will be worth.
DevelopmentRooftop airspace value
What the space above a building is actually worth.
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