Do I need to enter my personal details to use the calculator?

No. Our equity release calculator is completely anonymous. You only enter your age, whether there is a second applicant, and your property value – no name, email address or contact details are required.

Will using this calculator affect my credit score?

No. Using the calculator is for guidance only and has no impact on your credit score. It simply gives you an instant estimate based on typical lender criteria.

Is this equity release calculator suitable for the whole of the UK?

Yes. The calculator is designed for typical equity release plans available across the UK. Exact amounts will depend on your individual circumstances and lender criteria, which we discuss in a free consultation.

What happens after I use the calculator?

You will see an estimated amount you may be able to release. If you would like personalised advice, you can book a free consultation with a qualified equity release adviser to discuss your options in more detail.

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Equity Release Calculator

Wondering how much money you could release from your home? Our free equity release calculator gives you an instant estimate based on your age, property value, and a few simple details (no personal info required!).

Get a quick idea of what's possible, and take the first step with confidence.

Want to Discuss Your Estimate?

Your result gives you a great starting point — but the exact amount you can release depends on your age, lender options, and personal circumstances. Book a free, no-obligation chat with our friendly adviser to explore what’s truly possible for you.

Book Free Consultation → Read Real Client Stories →

Not Sure of Your Home’s Value?

An estimate is absolutely fine. If you’d like a guide, you can check recent sale prices and local trends using free tools like Zoopla or Rightmove, or we can talk it through during your consultation.

How Our Equity Release Calculator Works

Our calculator uses just two key details — your age and property value — to estimate how much tax-free cash you could unlock from your home. It’s quick, anonymous, and based on typical criteria from leading UK lifetime mortgage providers. No contact details required, just a realistic starting point to inform your thinking.

What Factors Affect How Much You Can Release?

The amount available will vary between lenders, but typically depends on:

Your age: Usually, the older you are, the higher the percentage you can release.
Property value: Higher-value homes may allow a larger release.
Property type & construction: Standard construction homes are preferred.
Health & lifestyle: Some plans offer enhanced terms based on health criteria.

Your online estimate is a guide — a personalised recommendation will always come from a full advice conversation.

Is Equity Release Right for You?

Equity release can be a helpful way to:

✅ Clear an existing mortgage or debts
✅ Fund home improvements or adaptations
✅ Help family with a financial gift
✅ Supplement retirement income to enjoy later life

However, it will reduce the value of your estate and can affect means-tested benefits. That’s why it’s vital to receive fully regulated advice — that’s exactly what we provide at Need Financial Planning.

Independent Equity Release Advice

As independent equity release specialists, we compare plans from leading providers to find the right fit — always aligned with Equity Release Council standards and FCA regulations.

Keen to Learn More About Equity Release?

Equity Release FAQs

Get clear answers to the most common questions about equity release.

Read FAQs →

Equity Release Guide

Download or read our free guide — independent and jargon-free.

Read the Guide →

Client Stories

See how people like you have used equity release to support their plans.

Read Stories →

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.