🔔Important: BankingTimes.co.uk provides general information only on topics such as equity release, SIPPs, and other financial products. We are not authorised or regulated by the Financial Conduct Authority (FCA) and do not provide personal financial advice. We may receive a commission if you choose to proceed through links or introductions on our site.
Financial Tools & Calculators
Take control of your financial future with our independently reviewed calculators, designed to provide clear estimates around pensions, property, and retirement income options.
Whether you are exploring Self-Invested Personal Pensions (SIPPs), or assessing how much equity you could release from your home, our tools are here to guide you.
This page is regularly reviewed for accuracy.
Last Reviewed: 16 Jul 2025
Why Use Our Tools
Our financial tools are built for simplicity, reliability, and transparency, giving you clear results to plan confidently and make informed decisions.
Here’s what sets our tools apart:
Ease of use – Simple inputs, instant results, and effortless navigation for all users.
Accuracy – Based on industry standards and regularly reviewed.
Transparency – Clear explanations of assumptions and outcomes.
Peace of mind – Tools to support informed conversations with FCA-authorised advisers.
🔔Please note: These calculators provide guidance only and should not be relied upon to make financial decisions. Always speak with an FCA-authorised adviser before taking any action.
Explore Our Equity Release Calculators
Our calculators are tailored for UK homeowners considering retirement funding options. From lifetime mortgages to home reversion and RIO (Retirement Interest Only) mortgages, each tool is designed to help you understand potential outcomes before speaking with a professional adviser.
Equity Release Calculator
Lifetime Mortgage Calculator
Home Reversion Calculator
Retirement Interest Only Mortgage Calculator
Reverse Mortgage Calculator
Drawdown Lifetime Mortgage Calculator
🔔Important: These tools are for general information only and are not financial advice. Results are estimates based on limited inputs. Equity release, SIPPs, and other financial products each carry risks and suitability considerations that depend on your individual circumstances.
Your Personal Equity Release Calculator Hub
Each calculator is designed to help you explore real options, whether you’re unlocking equity for retirement, helping your family, or just weighing up what’s possible. No jargon. No pressure. Just practical guidance for over-55 homeowners.
Equity Release Calculator
Find out how much tax-free cash you could unlock from your home.
What it helps you with:
Gives you a quick estimate of your maximum equity release amount.
Based on your age and current property value.
Helps you compare equity release to alternatives like downsizing or staying put.
Ideal for supplementing income, helping family, or covering later-life expenses.
No personal details needed to see your result.
Lifetime Mortgage Calculator
Explore how a lifetime mortgage works and how much you could borrow.
What it helps you with:
Estimates the loan amount you could access.
Visualises interest growth over time.
Compares lump sum vs drawdown approaches.
Home Reversion Calculator
Understand the impact of selling a share of your home to unlock cash. What it helps you with:
Ownership Retained
Shows how much of your home you’d still own after releasing equity.
Long-Term Comparison
Compares outcomes with lifetime mortgages, including inheritance impact.
Suitable Scenarios
Ideal if leaving an inheritance isn’t a priority and you want a guaranteed lump sum.
RIO Mortgage Calculator
Look at how much you could borrow and what repayments might be.
Shows monthly interest payments.
Helps compare RIO to equity release.
Ideal for homeowners with ongoing income.
Reverse Mortgage Calculator
A helpful comparison tool, reverse mortgages explained in UK terms.
Clears Up Confusion
Clarifies how reverse mortgages differ from UK-based equity release options.
Simplifies Your Options
Breaks down the key features of lifetime mortgages and home reversion plans.
Learn Before You Act
Equips you with the right info before speaking to a regulated advisor.
Drawdown Lifetime Mortgage Calculator
Flexible funding in retirement, see how much equity you can release, when you can access it, and how long your reserve could last.
What it helps you with:
Plan Your Withdrawals – Shows how much and how often you can take money out, so you can match funds to your lifestyle or unexpected costs.
Borrow Only What You Need – Helps you avoid taking a large lump sum upfront, which can reduce the interest that builds over time.
Compare Your Options – Lets you see the difference between taking funds in stages versus all at once, giving you a clearer view of your long-term finances.
Common Questions About Our Calculators
We know equity release is a big decision, and you may have questions before you even start using our tools. Here are straightforward answers to the most common queries from homeowners like you.
Will Using These Calculators Affect My Credit Score?
No — our tools provide anonymous estimates and do not impact your credit history.
Do I Have To Enter My Personal Details To Get Results?
No personal or financial details are required to see your results.
How Accurate Are the Results?
Results are for guidance only. Actual figures depend on lender criteria, property type, age, health, and market conditions.
Is Equity Release Safe?
Equity release products in the UK are regulated by the FCA. Seek advice from an FCA-authorised firm to ensure suitability.
What Happens to My Home if I Release Equity?
You remain the legal owner with a lifetime mortgage. With a home reversion plan, you sell part (or all) of your property but can continue living there. Your adviser will explain the long-term implications.
Have a Question?
We’re happy to assist. If anything is unclear or you’d like more information, reach out to our legal or compliance team.
Contact UsImportant Note
BankingTimes is not FCA-authorised and does not provide financial advice. We act as an introducer to qualified advisers, including Age Partnership Limited (FCA FRN 425432). Equity release reduces the value of your estate and may affect eligibility for benefits, always seek guidance from an FCA-authorised adviser.
We are an independent financial information publisher:
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