All Calculators
Use our suite of free UK affordability calculators to plan your finances with confidence.
Full Affordability Calculator
House, rent, and car — all in one place
Your finances
Adjust the sliders to match your situation
Your gross (pre-tax) annual income
Bills, food, subscriptions, travel, etc.
Monthly loan, credit card, or other debt payments
Your total savings (helps with deposits)
Your affordability
Results update as you type
Your affordability is broadly in line with the UK average
You are well-positioned to afford a home, rent, or car within the typical UK range. Small improvements to expenses or savings will open up more options.
Safe monthly disposable income
After expenses and debt, you have around £2,475 left each month — with a 10% safety buffer built in.
Home you could realistically afford
You could realistically afford a home worth around £240k based on your salary, savings, and financial position.
Most UK buyers with a similar income typically purchase between £211k and £269k
Recommended rent budget
A monthly rent of up to £1,313 would keep your finances healthy, based on the 30–35% income rule.
Car budget
You could comfortably afford a car between £4.5k and £6.8k. Staying closer to the lower figure keeps more budget for savings.
Based on typical UK lending criteria and affordability guidelines. This is an estimate, not financial advice.
Savings Runway Calculator
How long will your savings last?
Enter your savings balance, monthly spending, and any income you receive to see exactly how long your money will last — with a safe / warning / danger indicator.
Ready to take the next step?
Use your affordability numbers to compare real mortgage deals or get personalised advice from a fee-free broker.
No sign-up required. Free to use. Not financial advice.
Related affordability questions
Explore more UK affordability scenarios tailored to different salaries and locations.