MoneySavingExpert Ultimate Mortgage Calculator

Free#4 of 34 in Mortgage Calculator Apps

MoneySavingExpert Ultimate Mortgage Calculator: A free set of calculators for comparing mortgage deals, payments and overpayments. Ranked #4 of 34 in Mortgage Calculator Apps by our editors (9.1/10); pricing: Free plan; best for comparing mortgage deals and overpayments.

9.1/10Editor score

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MoneySavingExpert Ultimate Mortgage Calculator9.1 Visit site

At a glance

Editor score
9.1 / 10
Pricing
Free plan
Best for
Comparing mortgage deals and overpayments
Free plan
Yes
Paid from
Free
Facts checked
14 Nov 2026

Where it wins
- Compares two mortgage products and fixed-rate deals
- Models monthly payments, total cost and overpayments
- Includes deposit-saving and borrowing estimates
Where it doesn't
- Available on the web only
- Focused on mortgage calculations rather than broader home-buying tools
- The estimate depends on the loan, term, rate and fee inputs supplied

Our verdict on MoneySavingExpert Ultimate Mortgage Calculator

MoneySavingExpert Ultimate Mortgage Calculator is a free web-based collection of tools for people buying or managing a home. It estimates monthly payments and total mortgage cost, with inputs for the loan, term, interest rate and fees. It also supports repayment and interest-only calculations, comparisons between two mortgage products, and estimates of how much someone could borrow. This range makes it useful for buyers weighing options as well as homeowners considering changes to an existing mortgage.

The comparison and scenario tools are its clearest strengths. Users can compare fixed-rate mortgage deals and model the effect of overpayments, helping them examine how choices affect costs over the term. An offset mortgage tool is also part of the collection, alongside a deposit-saving calculator. These features keep the focus on practical mortgage decisions rather than general personal finance. The figures are estimates based on the inputs entered, so the calculator is best treated as a way to explore scenarios, not as a substitute for an individual offer or advice.

The published description presents the calculators as free, and the product is available through the web. That suits solo buyers or homeowners who want to compare costs without paying for a dedicated app. Its scope is intentionally concentrated on mortgage calculations: it does not present a broader home-purchase workflow or non-mortgage financial planning. Choose it if comparing products, fixed rates, affordability and overpayments is the goal; look elsewhere if you need a multi-platform app or a wider financial planning suite.

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

MoneySavingExpert Ultimate Mortgage Calculator pricing

Plans Free planFree Free to use — no paid tier required for the core job.

See plans on moneysavingexpert.com

MoneySavingExpert Ultimate Mortgage Calculator fact sheet

Free plan	Yes
Paid from	Free
Amortization schedule	Not verified
Affordability analysis	Yes
Refinance scenarios	Yes
ARM calculations	Not verified
Property-tax inputs	Not verified
Insurance inputs	Not verified
Platform access	Web
Deployment	Cloud
Platforms	Web
Built for	Solo (editorial estimate)
Pricing	Free plan
Website	moneysavingexpert.com
Facts checked	14 Nov 2026

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MoneySavingExpert Ultimate Mortgage Calculator vs the competition

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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 MoneySavingExpert Ultimate Mortgage 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

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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Last updated 14 Nov 2026 · How we research and update