Tools & Calculators

Mortgage & Money Tools

Quick, easy-to-use calculators to help you understand the numbers behind your next move. Whether you're checking Stamp Duty, estimating your mortgage payments or exploring overpayment savings, these tools give you clarity before you make your next decision.

Stamp Duty Calculator

Work out how much tax you'll pay.

Estimate your Stamp Duty quickly for first-time buyers, home movers and buy-to-let purchases.

Takes less than 30 seconds.

Open Calculator →

Mortgage Payment Calculator

Estimate your monthly costs.

Enter a loan amount, interest rate and term to see your likely monthly repayment.

Ideal for planning your budget.

Open Calculator →

Overpayment Calculator

See how much you could save.

Check how regular or one-off overpayments reduce your interest and shorten your term.

Great for long-term planning.

Open Calculator →

Jargon Buster

Plain-English definitions.

A simple glossary of the mortgage terms you're likely to hear along the way.

Updated regularly.

Open Glossary →

A quick reminder: These tools are designed to give helpful estimates and a sense of direction, but they don’t replace tailored mortgage advice. Lender criteria, affordability checks, and your personal circumstances all influence the final numbers.

Want help understanding your numbers?

If you've used the tools and want to know what the results actually mean for your situation, we're here to make everything clearer. Whether you're planning a move, a remortgage or an overpayment strategy — a quick chat can make all the difference.

Book an intro call

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.