Free Financial Tools
Plan Your Financial Future
A collection of free interactive calculators and planning tools to help you understand your finances and make informed decisions. No sign-up required.
Calculators
Quick, interactive tools to model different financial scenarios. All results are illustrative only.
Mortgage Repayment Calculator
Work out your monthly mortgage payment, total interest and full repayment schedule. Compare repayment vs interest-only and see the impact of monthly overpayments.
- Monthly payment & total interest
- Overpayment savings calculator
- Interest-only comparison
- Full repayment schedule
How Much Do I Need to Borrow?
Calculate the total cost of buying a home including stamp duty, solicitor fees and survey costs. Works for first time buyers, home movers and let-to-buy.
- Stamp duty (SDLT) included
- FTB, mover & let-to-buy
- Full cost breakdown
- Email summary to clients
Monthly Budget Planner
Get a clear picture of your monthly income and expenditure. Identify your surplus or shortfall and see what state support would actually provide if you couldn’t work.
- Income for one or two earners
- All major expenditure categories
- Protection gap analysis
- Sends straight to your adviser
Life Insurance & Protection Calculator
Calculate how much life cover, critical illness and income protection you need based on your mortgage, dependants and income. Identifies gaps in your existing cover.
- Life cover requirement
- Critical illness need
- Income protection level
- Gap vs existing cover
Pension Shortfall Calculator
Project your pension pot at retirement and see if you’re on track. Models growth, contributions and inflation to show whether you’ll have enough for the lifestyle you want.
- Pot projection at retirement
- Target vs projected income
- Shortfall in £ and %
- Contribution adjustment
Financial Jargon Buster
Plain-English explanations of common mortgage, pension, protection and investment terms. From APR to vesting — clear definitions so you can have informed conversations.
- A–Z financial glossary
- Mortgage, pension & investment terms
- Plain English explanations
- Searchable
Helpful Reading
Articles with embedded calculators to help you think through common financial decisions.
Should I overpay my mortgage or invest the money?
The honest answer depends on your interest rate, tax position and goals. Includes an interactive comparison calculator.
Read article →Browse all articles
Independent guidance on mortgages, pensions, protection, investments and estate planning.
Visit blog →All calculators on this page are provided for illustrative purposes only and do not constitute financial advice. Tax rules, interest rates and benefit entitlements change frequently — always verify figures with a regulated professional before making decisions. KMD Financial Planning LLP is authorised and regulated by the Financial Conduct Authority (ref: 1032694). Registered in England and Wales no. OC454846.