Free tools
Free tools for UK lenders
Quick, free calculators and checkers for affordability, cost of credit and the Consumer Duty. No sign-up. Built by Credit Canary.
Affordability calculator
Estimate disposable income and a debt-to-income ratio, and whether a new repayment looks affordable.
Open toolLoan repayment & cost of credit
Monthly repayment, total repayable and total interest from the amount, APR and term.
Open toolConsumer Duty readiness checker
A 10-question self-assessment against the FCA Consumer Duty outcomes, with a score and focus areas.
Open toolThe real thing, not an estimate
Credit Canary runs verified affordability, decisioning and payments for UK lenders from real data.
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