Calculators

Simple tools that show the full picture, including the parts that might put you off. No sign up and no phone number needed. Every result is illustrative, not a quote or advice.

Start here and the honest tools

• How much could I release?
• Should I release equity? (triage)
• Compound interest roll up
• What will be left for my children?
• Total cost over time
• Equity release vs downsizing
• Break even age
• Early repayment charge
• Voluntary repayment savings
• No negative equity
• Effect on benefits

By product type

• Lifetime mortgage
• Drawdown lifetime mortgage
• Lump sum lifetime mortgage
• Home reversion
• Enhanced (ill health)
• Retirement interest only (RIO)
• Retirement mortgage
• Equity release to buy a home
• Buy to let equity release
• Second home equity release

Compare the options

• Equity release vs RIO
• Equity release vs remortgage
• Equity release vs renting in retirement
• Drawdown vs lump sum
• Equity release vs care annuity
• Use my pension or my property?

Life changes and checks

• Can I afford to stay in my home?
• Financial impact of losing a partner
• Inheritance tipping point
• How to check an adviser is genuine

For a specific goal

• Clear a mortgage
• Gift a deposit
• Boost retirement income
• Pay for care
• Home improvements
• Clear debts

Check and qualify

• Am I eligible?
• How much equity do I have?
• Maximum release by age
• How much could I release near me?
• Does my plan meet ERC standards?
• Retirement income shortfall
• Downsizing stamp duty
• State pension gap