Free tools for UK home admin.
Small, focused calculators for the bits of property paperwork that are easy to get wrong — deposit deadlines, stamp duty edge cases, council tax bands. Free to use, no account needed. They live alongside the Stead app, which keeps the whole picture in one place.
Ready to use.
Free, no sign-up, works in your browser. Jump to what you need:
Buying & moving
Work out the numbers before you commit — purchase costs, mortgage sizing and the return.
Rent vs buy calculator
Should you rent or buy? It hinges on how long you'll stay. Compare both over your stay — net worth either way, the year buying overtakes renting, and what each really costs once you allow for the deposit you could invest.
FreeLifetime ISA calculator
For first-time buyers: project your LISA pot at the point you buy and the 25% government bonus you'll earn — with the £4,000-a-year bonus cap and the £450,000 property limit built in so the bonus actually counts.
FreeShared Ownership calculator
Part-buy, part-rent in plain numbers — the mortgage on your share, the rent on the bit you don't own and the service charge, added up honestly — plus what your deposit really covers and what staircasing to a bigger share would cost.
FreeCost of moving calculator
The real upfront cash to move home — deposit, stamp duty, legal, survey, mortgage fee and removals — netted off against the equity your sale releases, so you know exactly what you need to find.
FreeRemoval van size calculator
What size van for your move? Estimate the volume of your belongings from your home size and get the right van — small van, Luton or lorry — and how many trips, so you don't hire too small.
FreeStamp duty calculator
The 5% additional-dwelling surcharge, first-time-buyer relief and its £500k cap, plus Welsh LTT and Scottish LBTT — the cases generic calculators get wrong.
FreeMortgage repayment calculator
The monthly payment on a UK mortgage, the total interest over the term, how interest-only compares — and exactly how much time and interest a regular overpayment would save.
FreeRemortgage savings calculator
Worth switching deal? Compare your current rate to a new one — the monthly and total saving over the new fixed period, net of the product fee and any early repayment charge, plus the month you break even.
FreeOverpay or save?
Spare cash each month — overpay the mortgage or save it? See where you'd actually end up better off over the rest of your term, the years and interest overpaying would save, and the simple rule behind the answer.
FreeMortgage overpayment calculator
Overpaying a little each month, or a lump sum from a bonus, can knock years off the mortgage. See the interest you'd save, the time off the term, and the date you'd be mortgage-free.
FreeHow much can I borrow?
Mortgage affordability from your income, a second applicant, your monthly commitments and your deposit — a realistic borrowing range and the property price it reaches.
FreeLTV & deposit calculator
Mortgage rates step down at LTV thresholds. See your loan-to-value, the band it puts you in, and exactly how much more deposit would reach a cheaper one.
FreeBuy-to-let mortgage stress test
Lenders size a BTL loan on whether the rent covers the interest at a stressed rate by a set margin. Check pass or fail against the interest cover ratio, and see the maximum loan the rent supports.
FreeRental yield calculator
Gross yield flatters every buy-to-let. Get net yield after costs and voids, annual cash flow after the mortgage, and the return on the cash you actually put in.
FreeHome upgrade payback calculator
Solar, a heat pump, insulation or an EV — put in the upfront cost and the yearly saving and see the payback period plus your net position after 10, 15 and 25 years.
Renting
For tenants and anyone working out what a tenancy really costs.
Rent affordability calculator
Renting? See what rent you can comfortably afford, the income letting agents reference against, and whether a specific rent passes — plus what to do if you fall short.
FreeRent increase calculator
See a proposed rent rise in pounds per month, per year and as a percentage, and check it against inflation. For renters working out if it's fair, and landlords keeping it reasonable.
FreeTenancy deposit cap calculator
Enter the rent and see the most deposit you can legally take or be charged — five or six weeks in England and Wales, plus the Scotland and NI limits. Take a penny too much and a Section 21 can fail.
FreeDeposit deadline tracker
Enter the date you received a tenancy deposit and see the legal deadline to protect it and serve the prescribed information — with a calendar reminder. England, Wales, Scotland and NI.
Tax & money
The property and self-employment tax calculations that are easy to get wrong.
60% tax trap calculator
Earning £100k–£125,140? The personal allowance taper means your income is really taxed at 60%, not 40%. See what it's costing you and the exact pension contribution that gets your allowance back.
FreeChild Benefit charge calculator
Earning over £60,000? See how much of your Child Benefit the High Income Child Benefit Charge takes back — and the pension contribution that wipes the charge out.
FreeCapital gains tax on property
Selling a buy-to-let or second home? Work out the gain after costs and the £3,000 allowance, and the tax due at the 2025/26 residential rates of 18% and 24%, split by your income.
FreeSection 24 tax impact
See what the mortgage-interest restriction really costs you: your tax under today's 20% credit, what it would have been under the old full-deduction rules, and the personal-allowance trap that catches higher earners.
FreeLandlord allowable expenses
Add up your allowable rental costs to see your taxable profit, and check whether the £1,000 property allowance beats claiming actual expenses. Mortgage interest is handled separately under Section 24.
FreePayments on Account forecaster
First Self Assessment with payments on account? See why that first January bill is 150% of your tax, what each payment is, and when the 31 January and 31 July deadlines fall.
FreeVAT Flat Rate Scheme
Compare the Flat Rate Scheme against standard VAT, check the limited-cost-trader 16.5% trap that catches service businesses, and track your turnover against the registration and deregistration thresholds.
FreeLate payment interest calculator
Chasing an unpaid business invoice? Work out the statutory interest and fixed compensation you're owed under the Late Payment Act, and generate a ready-to-send chaser letter.
FreeRent a Room Scheme calculator
Letting a furnished room in your home? The first £7,500 a year can be tax-free — but if your costs are high, claiming expenses can beat the allowance. Compare both methods and the tax either way.
FreeDirector's loan account tracker
Took money out of your own company? See whether the account is overdrawn, the 33.75% Section 455 charge and the exact date to repay by to avoid it, plus the benefit-in-kind once it tops £10,000.
Energy & home
Energy standards, running costs, your water and council tax band.
EPC & MEES checker
Landlords: see whether your EPC band lets you rent the property now, where it stands against the proposed 2030 band C rule, and which improvements close the gap.
FreeEnergy tariff switch calculator
A lower unit rate can still cost more once the standing charge and exit fee are in. Compare two tariffs on your real usage and see the yearly saving and how long it takes to break even.
FreeCouncil tax band challenge
Check your band against the 1991 (or 2003 in Wales) valuation, understand the real risk before you challenge, and generate a pre-filled letter to the Valuation Office or Assessor.
FreeHouse rebuild cost calculator
Buildings insurance covers the cost to rebuild, not the market value. Get a rough rebuild figure from your home's size, type, age and region — and check whether you're under-insured.
FreeLoft insulation calculator
See how much you need to top up to the recommended 270 mm, and the rolls to buy. Topping up a thin old layer is one of the cheapest ways to cut a heating bill.
FreeWater meter calculator
Would a water meter save you money? Estimate your metered bill from the number of people and compare it with your current unmetered bill — with the more-bedrooms-than-people rule of thumb.
Home improvement & DIY
Budget the bigger projects, then work out the materials and quantities for decorating, the garden and building jobs — buy once, don't run short.
Renovation & extension cost calculator
What will the work cost? Pick the project — extension, loft or garage conversion, new kitchen or bathroom — the size and the finish, and get an indicative UK price range adjusted for your region, with the contingency to hold back.
FreePaint calculator
How much paint for a room? Enter the size and coats and get the litres and the number of tins — walls, ceiling, doors and windows all allowed for, so you buy once and don't run short.
FreePlaster & render calculator
Skimming or rendering a wall? Enter the area, pick the product and get the 25 kg bags to buy, allowing for the coats and wastage — coverage varies, so check it against your bag.
FreeWallpaper calculator
How many rolls? Worked out the way a decorator does — by drops — so the pattern repeat is allowed for and you order the right number from one batch, with a spare for repairs.
FreeTile calculator
Wall or floor, any tile size — get the area, the tiles to buy once you add cutting waste, and the number of boxes, so you buy from one batch and don't run short mid-wall.
FreeFlooring calculator
Laminate, vinyl, wood or tiles — get the floor area, the amount to buy once you add wastage, and the number of packs, so you don't run short mid-room or over-order.
FreeSkirting & coving calculator
Work out the room's perimeter, take off the doorways, allow for mitred corners, and get the number of lengths to buy — so the last corner reaches and you've a spare for a knock.
FreePlasterboard calculator
Walls or a ceiling, any board size — get the area, the boards to buy once you add wastage, and a rough cost, with the right board size flagged for lifting overhead.
FreeRadiator size (BTU) calculator
What size radiator does a room need? Enter the size, windows, insulation and walls and get the heat output in BTU and watts — so the room actually warms up without wasting energy.
FreeTurf & lawn calculator
Work out the lawn area, add a little for trimming to curves, and get the turf rolls to buy — plus the topsoil for the bed, so the new lawn goes down right first time.
FreeArtificial grass calculator
Lay a fake lawn — get the grass to buy in square and linear metres off a fixed-width roll, laid the efficient way, plus the weed membrane, kiln-dried sand infill and pins.
FreePatio paving calculator
Enter the patio and slab sizes and get the number of slabs with wastage, plus the hardcore sub-base, sharp sand and cement for the bed — so the whole job arrives in one delivery.
FreeBlock paving calculator
Drive, patio or path — get the blocks to buy with wastage (50 per m² for standard blocks), plus the sub-base, the sharp-sand laying course and the kiln-dried jointing sand.
FreeTopsoil & compost calculator
Raised beds, borders or a turf bed — get the volume in m³ and litres, the rough weight, and the bulk or small bags to buy, with the right density for topsoil, compost or bark.
FreeDecking calculator
Work out the deck area, allow for the gap between boards, and get the linear metres, the boards, and the joists underneath — so the frame's right and the boards don't bounce.
FreeFence calculator
Measure the run and get the panels, posts, gravel boards and bags of postcrete — including the extra end post a straight run always needs, the one people forget.
FreeGravel & aggregate calculator
Gravel, slate, sub-base or sand — get the volume, the weight in tonnes, and the bulk bags from the area and depth, with the right density for each material.
FreeDriveway calculator
Tarmac or resin-bound — enter the size and depth and get the tonnes of tarmac, or the resin and aggregate, plus the compacted hardcore sub-base, to sense-check a quote.
FreeShed base calculator
Cast a base for a shed or garden store — we add a sensible overhang, then give the concrete as ready-mix bags or cement and ballast, plus the hardcore underneath.
FreeConcrete calculator
Slab, footing or post holes — get the volume, then the bags of ready-mix or the cement and ballast for a mix-your-own batch, with a margin so you don't run short mid-pour.
FreeBrick & block calculator
Building a wall? Get the bricks or blocks to buy with wastage — 60 per m² single skin, 120 double, 10 for blocks — plus the cement and sand for the mortar.
FreeRoof tile calculator
Re-roofing or repairing? Enter the roof area and pick plain, interlocking, pantile or slate to get the tiles to buy with wastage, plus the metres of batten.
FreeStud wall calculator
Building a partition? Get the timber lengths for the frame — studs, plates and noggins — plus the plasterboard for one or both sides and the insulation between.
FreeGuttering calculator
Replace a run of gutter — enter the eaves length and downpipes and get the lengths, brackets, unions, outlets, stop ends, corners and downpipe parts that clip together.
FreeSkip size calculator
Estimate your waste volume and see which skip fits — mini, midi, builders or maxi — with the heavy-waste weight catch and the council-permit rule flagged.
Landlord admin
The paperwork and records a small landlord has to keep right.
Tenant referencing checklist
Vet a prospective tenant systematically and lawfully: an affordability check, a transparent risk score, the flags worth chasing, and a record to keep on file.
FreeProof-of-service record
Record the documents a valid tenancy and a future Section 21 depend on, with the date and method served, and generate a dated written record. The gap that sinks possession claims.
FreeInspection & inventory report
Build a clean, dated check-in, mid-tenancy or check-out report room by room, then copy or download it to keep on file. A thorough inventory is your best protection in a deposit dispute.
FreeLeasehold service-charge checker
Sense-check your service charge line by line, test whether major works needed a Section 20 consultation, and generate a query letter citing your rights. England and Wales; information, not legal advice.
FreeConfirmation statement deadline
Every UK company files one a year, even when nothing changes. Put in your incorporation or last statement date and see the next confirmation date, the filing deadline and a countdown.
FreeJob quote builder with VAT
For tradespeople: add materials, a markup and labour, apply VAT if you're registered, and get a clean total with a ready-to-send written quote.
FreeHMO licence checker
Renting to sharers? Find out whether the property is a House in Multiple Occupation and whether it needs a mandatory licence (5+ people, 2+ households), plus the additional and selective licensing your council might add. All four UK nations.
Coming soon.
The tools we're building next. Want one sooner, or have an idea for another? Tell us.
Possession-notice generator
Section 21 / Section 8 / Renters' Rights Act notices with prescribed-information packs and a dated audit trail. Already in the app for landlords — heading here as a standalone tool too. Always for solicitor review.
The whole picture lives in the app.
These tools each answer one question. Stead the app keeps your property, documents, maintenance, energy and landlord duties together — with reminders so nothing slips.