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)
Compare two ways of releasing money from your home.
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Downsizing vs Equity Release Calculator (UK)
Compare two common retirement housing options: downsizing, or staying in your current home with equity release.
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Equity Release Calculator (UK)
Estimate how much cash you may be able to release from your home and how it could affect you.
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Rent vs Buy In Retirement Calculator (UK)
Compare two retirement housing strategies: staying in your home or selling, renting and investing the released equity.
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Inheriting a Property Tax Calculator (UK)
Understand the potential tax implications of inheriting a property in the UK.
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Downsizing vs Passing Home to Children Calculator
Compare whether it is financially better to downsize and gift equity now, or pass your home on later.
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Property Leverage Calculator
Model how sensible leverage could help you buy more properties and grow your portfolio.
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Buy-to-Let Retirement Income Calculator
Understand how much annual retirement income your rental property or portfolio can realistically provide.
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Mortgage Payoff Calculator (UK Specific)
See how making overpayments on your UK mortgage can accelerate your payoff date and reduce total interest paid.
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Downsizing Your Property In Retirement Calculator
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.
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Sell vs Keep Your BTL(s) In Retirement Calculator
Compare the long-term income you could receive from selling your rental properties today versus keeping them for rental income and selling later.
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Overpaying the Mortgage vs Investing
Compare overpaying your mortgage with investing spare cash in an ISA or pension, and see which builds more wealth by retirement.