Self-serve first
Calculate → understand → act.
The point is not to produce a number and abandon you there. The strongest tools feed a wider plan so the result can become a next step.
Tools · Work it out privately
Useful numbers, organised around the decision you are trying to make.
Use the calculators and planners without creating an enquiry. Save useful outputs into your Money Plan, build the position first and ask The Finance Place for human help only when that would actually help.
Featured
Start with the question you actually need to answer.
Test a mortgage what-if scenario, compare commercial property borrowing or challenge the cost of replacing existing debt before you move on to lender criteria or advice.
⌂Mortgage scenarios
Mortgage what-if & overpayment calculator
Test monthly repayments, a lump sum, extra monthly payments or a higher rate and see the modelled effect on term and interest.
Open →✓Business & property
Commercial mortgage calculator
Test repayments, deposit, fees and refinance proceeds before buying or refinancing business property.
Open →⇄Decision comparison
Debt Consolidation Comparison
Compare current debts with one unsecured loan and mortgage consolidation — monthly payment, total repayment, term and risk side by side.
Open →⌂7 tools
Home & property
Plan the cash, borrowing, stress points and purchase costs around a home or property decision.
Repayment planningMortgage Repayment & Overpayment Calculator
Compare monthly repayments, total interest, higher-rate stress and the effect of regular or lump-sum overpayments.
Open tool →Multiple rental propertiesPortfolio mortgage comparison calculatorCompare existing loans, separate remortgages and combining selected or all properties, including fees and remaining debt.
Open tool →Deposit planningDeposit & LTV Quick PlannerSet a deposit target and timeline, compare common LTV milestones and carry the numbers into the First-Home Command Centre.
Open tool →Timing scenarioCost of WaitingCompare extra savings, rent, assumed property-price movement and the mortgage position if you wait.
Open tool →Purchase costsProperty Tax & Completion Cash PlannerEstimate SDLT, LBTT or LTT, see the tax-band breakdown and combine it with the deposit and other completion costs.
Open tool →PreparationAffordability & Budget Stress PlannerTest a target mortgage against household commitments and a higher rate without pretending to produce a lender borrowing limit.
Open tool →Existing propertyProperty Equity & Additional Borrowing PlannerSee current equity, post-borrowing LTV, valuation sensitivity and repayment stress around a hypothetical extra amount.
Open tool →▦6 tools
Business
Compare the cost and cash-flow effect of business finance before moving into the full funding journey.
Premises & investmentCommercial mortgage calculator
Repayment, interest-only, deposit, fees, refinance proceeds and transparent cash-flow sensitivity.
Open tool →Vans, machinery & equipmentAsset finance calculatorDeposit, monthly repayments, final balloon and total cash including an entered VAT budget.
Open tool →Cash from unpaid invoicesInvoice finance calculatorEligible invoices, reserves, net advance, service and discount fees, plus a payment-delay test.
Open tool →Short-term property financeBridging loan calculatorCompare retained, rolled-up and serviced interest, net advance and exit debt.
Open tool →Staged project fundingDevelopment finance calculatorModel drawdowns, interest, equity, LTC, LTGDV and a weaker project outcome.
Open tool →Business borrowingBusiness loan repayment calculatorCompare two finance structures on monthly payment, total finance cost, fees, term, rate stress and cash-flow impact.
Open tool →£2 tools
Everyday money
Understand the monthly position, test resilience and connect spare cash to a goal without assuming every pound has to be allocated.
Cash-flow planningCash Flow & Resilience Planner
Map regular and other income, core costs, debt, flexible spending, annual costs, saving and an income-drop stress test.
Open tool →Goal planningSavings Goal & Funding TimelineConnect a named savings target to monthly cash-flow headroom, a target date and different contribution speeds.
Open tool →⇄1 tool
Borrowing & debt
Understand existing borrowing and compare the monthly-payment versus total-cost trade-off before replacing debt.
◇1 tool
Protection
Start with the financial problem you would want cover to solve before thinking about a policy.
How The Finance Place uses tools
A calculator should lead somewhere useful.
Work out the position
Use your own figures privately and change assumptions until you understand what is driving the result.
Turn it into a plan
Where available, save the useful result into your Money Plan so separate financial decisions start to connect.
Ask for help when useful
If the next step depends on lender criteria, suitability, tax, legal work or regulated advice, ask The Finance Place for help. Your request comes to TFP first and we will come back to you about the next step.
Your Money Plan
Keep the useful results instead of starting again each time.
The Money Plan is the workspace that brings goals, saved calculations and next actions together. Over time it should become the thread connecting the different parts of your financial life.