Property, Mortgage & BTL Calculators
See how your home and any rental properties support your retirement plans. Compare selling, keeping, overpaying the mortgage or using equity as part of your strategy.
🏠Property in Retirement
Your home and any buy-to-let properties are often your largest assets. These calculators help you decide whether to sell, keep, downsize, or leverage property equity to support your retirement income and timeline.
💰How these calculators help
Our Property calculators model mortgage overpayments, rental yields, capital gains tax, and equity release options. They help you understand how property decisions affect your retirement income, tax position, and when you can retire.
Start with these popular calculators
These six tools are the best starting point for understanding your property options. They help you decide whether to keep or sell BTLs, model rental income, and compare mortgage strategies.
Buy-to-Let Retirement Income Calculator
What the rent actually leaves you, after costs and tax.
Overpay Mortgage vs Invest for Retirement Calculator
Extra to the mortgage, or extra into a pot.
Rent vs Buy in Retirement Calculator
Stay a tenant, or buy and stop paying rent.
Downsizing Your Property In Retirement Calculator
Sell, move smaller, and what is left for the years after work.
Equity Release Calculator
Borrow against the house, and what that does to the estate.
All Property, Mortgage & BTL calculators
Browse all Property, Mortgage & BTL calculators. These tools help you understand how your home and rental properties support your retirement, compare selling versus keeping properties, and optimise mortgage and property strategies.
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Lifetime Mortgage Drawdown vs Lump Sum Calculator (UK)
What is the Lifetime Mortgage Drawdown vs Lump Sum Calculator? The Lifetime Mortgage Drawdown vs Lump Sum Calculator helps you compare two ways of releasing money from your home: taking a lump sum upfront or withdrawing smaller amounts over time. It shows how timing affects interest roll-up, loan size and…
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Downsizing vs Equity Release Calculator (UK)
What is the Downsizing vs Equity Release Calculator? The Downsizing vs Equity Release Calculator helps you compare two common retirement housing options: selling your home and downsizing, or staying put and releasing equity from your current property. It shows how each route affects your immediate cash position, your ongoing housing…
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Equity Release Calculator (UK)
What is the Equity Release Calculator? The Equity Release Calculator helps UK homeowners estimate how much cash they may be able to release from their home and understand how that decision could affect their remaining equity over time. It is designed to give a clear, practical view of what equity…
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Rent vs Buy In Retirement Calculator (UK)
What is the Rent vs Buy in Retirement Calculator? The Rent vs Buy in Retirement Calculator compares two retirement housing strategies: staying in your home or selling, renting and investing the released equity. It shows which path leaves you with higher net worth over time and whether each option remains…
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Inheriting a Property Tax Calculator (UK)
What is the Inheriting Property Tax Consequences Calculator? The Inheriting Property Tax Consequences Calculator helps you understand the potential tax implications of inheriting a property in the UK. It shows how Inheritance Tax, Capital Gains Tax and rental income tax may apply, so you can make informed decisions about keeping,…
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Downsizing vs Passing Home to Children Calculator
What is the Downsizing vs Passing Home to Children Calculator? The Downsizing vs Passing Home to Children Calculator helps UK homeowners compare whether it is financially better to downsize and gift equity to their children during life, or keep the family home and pass it on later through inheritance. It…
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Property Leverage Calculator
What is the Property Leverage Calculator? The Property Leverage Calculator helps you model how using sensible UK leverage can accelerate your ability to purchase additional properties, grow rental income, and ultimately support earlier or more secure retirement. By combining UK mortgage rates, rental yields, refinancing rules and cautious long-term growth…
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Buy-to-Let Retirement Income Calculator
What is the Buy-to-Let Retirement Income Calculator? The Buy-to-Let Retirement Income Calculator helps you understand how much annual retirement income your rental property or portfolio can realistically provide. By modelling your rents, costs, voids, mortgage payments and tax, you can see what net income your properties will deliver in retirement…
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Mortgage Payoff Calculator (UK Specific)
What is the Mortgage Freedom Calculator? The Mortgage Payoff Calculator shows how making overpayments on your UK mortgage can accelerate your payoff date and reduce total interest paid. It compares your current repayment schedule with different overpayment amounts so you can see how much earlier you could become mortgage-free. How…
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Downsizing Your Property In Retirement Calculator
How can downsizing your property impact your retirement? The Downsizing Your Property In Retirement Calculator helps you see the financial impact of selling your current home and moving to a cheaper, lower cost property. It shows how much equity you could release, how your running costs might change and the…
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Sell vs Keep Your BTL(s) In Retirement Calculator
What is the Sell or Keep your BTL calculator? The Sell vs Keep Your BTL(s) In Retirement Calculator helps you compare the long-term income you could receive from selling your rental properties today versus keeping them for rental income and selling later. It highlights the sustainable income each option can…
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Overpaying the Mortgage vs Investing
Mortgage Overpayments vs Investing Calculator (UK) Compare overpaying your mortgage vs investing spare cash (ISA or pension). See which strategy builds more wealth by retirement – and understand the crucial difference between liquid investments and property equity. How the Calculator Works? This calculator compares the long-term impact of overpaying your…