Free affordability calculators

Can I actually afford it?

The honest answer for life's big money decisions — a car, a house, a holiday or a business. Real costs, not just the monthly payment. Free, no sign-up.

Free · No sign-up · Takes about two minutes

Your numbers stay private No judgement, no hard sell Real costs, not just the payment Guidance, never pushy advice
How it works

Three steps to a straight answer

Know more

Pop in the price and a few numbers. We add the costs people forget.

Plan better

See the real monthly cost, what's left over and a clear verdict.

Live confidently

Save it, plan around it, and get a nudge before renewals come round.

Why PocketSorted

Affordable on paper isn't the same as affordable in real life.

Most of us have been there. The finance gets approved, the monthly payment looks fine — and then the month runs out before the money does. The car's paid for, but there's no wages left for the shopping.

A car isn't just the monthly payment. A house isn't just the mortgage or rent.

There's fuel, insurance, food, electricity, repairs, maintenance — and all the costs you didn't think to factor in when you first did the maths. Then there are the things you actually want to enjoy — a holiday, a night out, or simply having money left over.

It's easy to say "I'll put £40 aside for that." Then it's £40 here and £60 there — and that £15 direct debit for music you'd forgotten about pops up, along with a £1.99 app on your phone. Add it all up and the reality looks very different from what the calculator first told you.

That's why I created PocketSorted: to bring the real costs together and give people a clearer picture of what they can genuinely afford — not just what looks affordable on paper.

Not telling people what they can or can't buy. Not judging their spending. Just helping them understand the real knock-on effect of their decisions before they make them.
Founder, PocketSorted
Plans

Start free. Upgrade when it earns its place.

Try any calculator free, no sign-up. Need one answer? Grab a one-off plan. Want everything? Pick a journey — pay once, no subscription.

Free

Every calculator, one honest answer at a time.

£0

No sign-up needed

  • All five calculators
  • Honest verdict & full cost breakdown
  • Save up to 3 results with a free account
  • Email yourself any result
Start free

Result Pack

A personalised, printable plan for one big decision.

£4.99

One-off · for one decision

  • Everything in Free
  • Your full breakdown as a printable plan
  • Step-by-step action checklist
  • Yours to keep — no subscription
Get your pack

Know someone about to make a big decision?

Share your personal link. When a friend buys a PocketSorted Journey, you get an extra free month on your journey — added to your account automatically.

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Questions

Good to know

Is PocketSorted financial advice?

No. PocketSorted gives you clear estimates and guidance so you can make your own decisions. It doesn't recommend products or tell you what to do. For regulated advice, speak to a qualified financial adviser.

Is it really free?

Yes. Every calculator is free to use without signing up. A free account lets you save a few results; a PocketSorted Journey adds unlimited saves, your saved numbers, planning and reminders.

Does my journey renew automatically?

No. You pay once for 3, 6 or 12 months and that's it — no subscription, no surprise renewals. We'll email you before it ends so you can decide whether to carry on.

What do you do with my numbers?

Your figures are stored securely and only used to run your calculations. We never sell your data, and you can delete your account and everything in it whenever you like.

How do referrals work?

Every account has a personal link. When someone signs up with it and buys a journey, you get an extra free month added to yours automatically.

Ready for a straight answer?

Pick a calculator — it takes about two minutes.

Try it free