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
Try a scenario
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% buffer built in for unexpected costs. This is comfortable for most people at this income level.
Home you could realistically afford
Around £240k is a realistic target based on your salary, savings, and outgoings. Outside London, this budget typically goes further.
Most UK buyers with a similar income typically purchase between £211k and £269k
Recommended rent budget
Up to £1,313/month keeps your finances healthy based on the 30–35% income rule. Anything above this may start to feel like a stretch.
Car finance calculator
Most cars in the UK are purchased using finance (PCP or HP), where buyers pay a deposit and a fixed monthly cost. This estimate gives a realistic guide based on typical finance rates (~8% APR).
How much you can comfortably pay each month
£200–£350/month is a sensible range for most UK buyers. This is what many people on a typical salary comfortably spend on a car.
Most UK car buyers use PCP or HP finance — affordability is based on monthly payments, not total price.
Outside London, this budget typically goes further. In London and higher-cost areas, affordability is usually 15–25% lower than these figures suggest.
Why this calculator is different
Most calculators show the maximum you can borrow. This tool focuses on what you can comfortably afford — based on real UK salaries, actual expenses, and everyday spending patterns.
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Based on typical UK tax bands and lending criteria. 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.
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Related affordability questions
Explore more UK affordability scenarios tailored to different salaries and locations.