monthly income expenditure calculator repayment calculations

Site Features: Calculators

Affordability Check

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!

Income:

Monthly income after tax and national insurance
1st salary
2nd salary
Other income
Total income available

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

Money matters
Ground rent
Maintenance charges
Credit cards and other loans
Other rental/HP agreements
Contribution to pension fund
Rainy day savings contributions
Household & mortgage payment protection insurance
Subtotal

Household expenses
Food
Household goods
Toiletries
Home improvements
Clothes
Dry cleaning and laundry
Gas
Electricity
Water
Telephone
Council tax
Subtotal

Health
Prescriptions
Eye care products
Health insurance
Life assurance and protection products
Subtotal

Travel
Public transport
Car tax
Car insurance
Car maintenance
Petrol/diesel
Subtotal

Children's education
School fees
School meals
School uniform and equipment
School trips
Baby-sitter nursery
Subtotal

Leisure, hobbies and interests
Holidays
Gym or club membership
TV rental and license
Theatre, cinema and restaurants
Garden, sports and hobbies
Pets - food, vets fees, kennels
Smoking
Drinking
Computer equipment
Subtotal

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.

Site Features: Calculators

Simple rent converter

Work out weekly and monthly totals for any number of people sharing.

Buy or rent

Calculate whether you're better off to buy or rent, given a variety of costs, returns and other factors.

Repayment calculator

Calculate your monthly mortgage repayments over a set term or the whole life of a mortgage.

Mortgage payment schedule

Get a tabular or visual idea of what your payments will be like during the term of your repayment mortgage.

Compare 2 mortgages

The APR for a mortgage rate might be quoted, but you can still compare 2 schemes using this calculator.

Remortgage costs

Even if a remortgage offers a cheaper deal, switching costs such as early redemption penalties can make it a financially unwise move.

Return on investment

Examine the Return On Investment generated by rental property and the effect that mortgage borrowing has on the returns enjoyed.

Affordability Check

Calculate how much of your income you'll have left at the end of each month once your expenses and outgoings have all been taken care of

Maximum Borrowing

There's no point looking at properties that you can't afford. Use this calculator to get an idea of the maximum mortgage a lender is likely to offer you.

Overall Budget Plan

Total up the full set of costs involved in buying and selling a property.

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