“Can I afford this?”
Use the Affordability Calculator when the decision depends on both ongoing monthly costs and the effect on your savings.
WORTHCHEX CALCULATOR HUB
Choose the calculator that matches the decision.
WorthChex calculators are designed for practical planning. Each tool focuses on a defined question, explains the assumptions used and links to related guides so you can understand the result rather than treating it as a final answer.
AffordabilityTest cash and finance against income, spending and savings safety.
Savings GoalWork from a monthly contribution or a target date.
Debt PayoffModel payment, payoff time, interest and extra payments.
MortgageModel deposit, LTV, repayment type and overpayments.
Salary CalculatorEstimate take-home pay and compare a possible pay rise.
Take-Home PayExplore 2026/27 tax, NI, pension and student-loan deductions.
Compound InterestSee how contributions, rate and time combine in a scenario.
Stamp DutyProperty tax for England, Scotland, Wales and Northern Ireland.
VATAdd or remove VAT once you know which rate applies.
Car FinanceCompare monthly payments and total finance cost.
Personal LoanModel APR, fees, term and overpayment scenarios.
HOW TO CHOOSE
Start with the question, not the calculator.
“How much will I pay?”
Use borrowing calculators for loans, cars or mortgages. Then compare total interest and the effect of changing the term or overpayment.
“How much will I have left?”
Use salary, take-home pay and savings tools to turn a gross figure or target into a more useful household planning number.
Why a calculator result can be misleading
A mathematically correct result can still be a poor real-world answer when an input is incomplete. Borrowing decisions can depend on lender-specific fees or repayment rules. Salary estimates can depend on tax codes, benefits and pension treatment. Property taxes can change with buyer status and transaction details.
Every WorthChex calculator therefore includes a limitations section. Read it before relying on the number, especially for tax, property, borrowing or investment-related decisions.
Use the calculator as a scenario builder.
Try your realistic case, then change one important assumption and compare the result. The comparison often tells you more than the headline figure.
METHODOLOGY & SOURCES
See how the numbers are produced.
The WorthChex methodology explains the main formulas used for affordability, savings, debt, borrowing and tax-related estimates. Where a rule can change, the relevant calculator links to official UK guidance.
For general explanations, the Money Guides section gives more context before you enter your own numbers.
WorthChex provides planning estimates for educational purposes. It does not provide personalised financial advice, lender decisions or tax determinations.