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MoneyHelper Mortgage Repayment Calculator

Free#15 of 34 in Mortgage Calculator Apps

MoneyHelper Mortgage Repayment Calculator: A free web calculator for UK mortgage repayment and interest-only estimates. Ranked #15 of 34 in Mortgage Calculator Apps by our editors (8.0/10); pricing: Free plan; best for simple UK repayment estimates.

8.0/10★★★★☆Editor score

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At a glance

• Editor score
  8.0 / 10
• Pricing
  Free plan
• Best for
  Simple UK repayment estimates
• Free plan
  Yes
• Paid from
  Free
• Facts checked
  14 Nov 2026

• Where it wins

  • Estimates payments for a new mortgage or remaining balance
  • Supports repayment and interest-only calculations
  • Shows how interest-rate changes affect monthly costs

• Where it doesn't

  • Does not provide affordability analysis
  • Does not include property tax or insurance inputs
  • Lender must confirm exact repayment amount and payment date

Our verdict on MoneyHelper Mortgage Repayment Calculator

MoneyHelper Mortgage Repayment Calculator is a free web tool from the Money and Pensions Service for people estimating monthly payments on a new mortgage or an existing balance. It suits borrowers who want to explore repayment or interest-only estimates, rather than assess whether they can afford a mortgage. Users can base a calculation on property price or remaining mortgage balance, then enter deposit, term and interest rate.

The calculator focuses on repayment estimates and rate sensitivity. Changing the interest rate shows its effect on estimated monthly costs, which can help borrowers compare scenarios before speaking with a lender. This is a focused calculation rather than a full home-buying budget: it does not include affordability analysis, property tax or insurance inputs. People who need those elements in one tool should look for a calculator that covers them.

There is no paid tier to weigh against the free tool, and it is available through MoneyHelper’s website. Its scope is useful for an initial estimate, but the result is a guide: the lender confirms the exact repayment amount and payment date. Choose it for a straightforward view of repayments and rate changes; choose another resource if you need affordability assessment or a broader cost breakdown before making a borrowing decision.

Your product? Our editors can test MoneyHelper Mortgage Repayment Calculator in depth and publish a review, labelled as paid · from $149/mo →

MoneyHelper Mortgage Repayment Calculator pricing

MoneyHelper Mortgage Repayment Calculator fact sheet

Alternatives to MoneyHelper Mortgage Repayment Calculator

• CMChase Mortgage CalculatorFree web calculators cover mortgage payments, affordability, refinancing and loan scenarios.9.4
• BMBankrate Mortgage CalculatorA free web calculator for detailed mortgage payment and affordability estimates.9.3
• FMFannie Mae Mortgage CalculatorA free web calculator with payment breakdowns plus separate affordability and refinance tools.9.2

See all MoneyHelper Mortgage Repayment Calculator alternatives →

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The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used MoneyHelper Mortgage Repayment Calculator for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.

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Featured on iTechGuides

Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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Last updated 14 Nov 2026 · How we research and update