See what you're ABLE to afford – not just what you can borrow.
ABLE Index™ introduces a new affordability framework that looks beyond traditional mortgage calculators by combining the four factors that shape everyday living costs: Affordability, Budget, Location, and Environment. The result is a clearer, more realistic picture of whether a lifestyle — not just a mortgage — is truly sustainable.
UK-focused. Designed for real-life budgets — not just borrowing limits.
Start with a quick ABLE check
Pick a tool below. If you're not sure, start with the affordability check — it’s the one that brings everything together.
Tip: swipe sideways to see all cards.
How ABLE Index works
We look at your real monthly income, core outgoings, estimated travel costs and local area data for your chosen postcode. From this we calculate:
- Travel estimate based on your commute and the number of commuter days you enter
- Fixed cost share of income including rent or mortgage, bills and childcare
- Monthly amount left after core costs
- Local area snapshot showing: (1) crime incidents (latest month) with a link to the Police.uk map, and (2) a schools catchment check with a link to Locrating for your postcode
- ABLE rating comparing what you actually have left each month vs your comfort target