Interactive Calculators: Affordability

Use this calculator to work out how much income you have left at the end of each month to spend on your mortgage repayments. You can be as comprehensive or as rough as you wish. Most affordability-based lenders will not go into this level of detail, but it doesn't hurt to know where your money is being spent!


Monthly income after tax and national insurance

Regular monthly expenses:

(which should include an approximate monthly equivalent for anything that is paid for annually or quarterly)

Money matters

Household expenses



Children's education

Leisure, hobbies and interests

Total income

Total expenses

Total net monthly income available

Please note: This calculator should be used for indicative purposes only and should not be taken as representing advice.

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