Add the goal
Tell us what you are planning for, what it costs and when you would like to get there.
Free affordability planner
Can I really afford it?
Give us the goal and the numbers. We'll show you what the plan would actually ask of you.
See the monthly reality before you commit.
No credit check · No bank connection · Free quick check · Guidance only
Example score
Wedding plan
78 / 100
Verdict
Manageable
This plan looks achievable, but the required contribution places pressure on the available monthly surplus.
Why this scored 78
- ✓ Your existing savings cover part of the target
- ✓ The timeline is achievable
- ! The monthly contribution places pressure on your available surplus
Target amount
£18,000
Current savings
£4,800
Monthly contribution
£450
Planning with
Partner
What you will see
See the monthly reality before you commit.
Affordit brings your goal, savings, income, costs and timing together so you can judge the monthly commitment before you decide.
Start a planGoal
Wedding
Target amount
£18,000
Current savings
£4,800
Monthly contribution
£450
Planning alone or with someone
With someone
How it works
How Affordit works
Give us the goal and the numbers. We'll show you what the plan would actually ask of you.
Add the numbers
Enter your savings, income and monthly commitments. No bank connection required.
See the reality
Get the score, monthly pressure, timeline and changes that could improve the plan.
Choose a goal
What are you planning?
Start with a decision. You can refine the details once you are in the planner.
View all affordability checksShow fewer affordability checks
Affordability guidance
Affordability planning for life's biggest decisions
Affordit helps you understand whether a major purchase, life cost or savings goal may be realistic based on your income, savings, monthly commitments and preferred timeline.
You can use Affordit to explore routes for cars, house deposits, weddings, holidays, rent, childcare, renovations, loans and monthly payments without a credit check or bank connection.
How an affordability planner works
An affordability planner compares your goal cost with your current savings, monthly income, regular expenses and available contribution. It then estimates the monthly pressure, likely timeline and whether the route appears comfortable, manageable or unrealistic.
Plan before you commit
Affordit is designed to help you sense-check a financial commitment before making a decision. You can adjust your savings, contribution, purchase cost or timeline to see how the route changes.
Compare different affordability routes
Signed-in users can save multiple plans and compare scenarios, such as choosing a cheaper car, increasing a deposit, extending a timeline or planning with a partner.
Guidance without a credit check
Affordit does not access your bank account, run a credit search or provide lending approval. Results are estimates based on the information you enter and are intended for general planning guidance only.
Long-term planning tools
Planning beyond the next purchase
Planning for later rather than a purchase now? Use Affordit's long-term tools to explore future savings goals, repayments and salary changes.
University repayment calculator
Estimate how student loan repayments may change as salary moves, so longer-term plans reflect more than headline income.
Check student loan repaymentsPension pot calculator
Estimate how your pension could grow based on your age, current pot, contributions and assumed growth.
Estimate your pension potFAQs
Common affordability questions
Helpful answers for anyone using an affordability planner or monthly payment calculator.
How does Affordit calculate affordability?
Affordit compares your goal cost, savings, monthly contribution, income, regular costs and preferred timeline. It then estimates monthly pressure, route length and whether the plan looks comfortable, tight or unrealistic.
Does Affordit run a credit check?
No. Affordit does not run credit searches, check credit files or connect to your bank account. The result is based on the figures you choose to enter.
Can I save more than one plan?
Yes. Signed-in users can save multiple plans, revisit them from My Plans and compare different goals, timelines and monthly contribution levels.
Can I use Affordit for monthly payments?
Yes. You can use Affordit to sense-check monthly payments when you know the purchase cost, deposit, contribution, timeline or finance assumptions you want to test.
Can I plan with a partner?
Yes. The planner supports partner inputs so you can include another person's savings, monthly contribution and income in the plan.
Is Affordit financial advice?
No. Affordit is a planning tool for general guidance only. It is not financial advice, lending approval, mortgage advice, debt advice or an eligibility assessment.