Products tools and calculators

Find useful links to our product tools and calculators. These show how much you could save, borrow, or what your repayments or costs would be for a range of products and services.

Mortgage calculator

Whether you are a first time buyer or just looking to remortgage, our mortgage calculator could help find you out how much you could borrow and how much needs to be paid each month.

Personal loan calculator

Whether you want to buy a car, improve your home, or consolidate debt, our personal loans may be just what you're looking for.

Work out the right loan for you.

Overdraft cost calculator

Our overdraft cost calculator will help you work out how much your anticipated arranged overdraft borrowing will cost over different periods of time.

Car finance calculator

Are you looking to buy a car? Our handy calculator helps you understand the monthly cost of a Fixed (Hire Purchase) or Flex (Personal Contract Purchase) Car Plan.

Savings calculator

Whether you're saving towards something special or building a rainy day fund, our savings calculators can help you plan your savings to reach your goal.

Budget Tool

Use our interactive budgeting tool to list your monthly income and outgoings. You’ll then be able to see where you are with your money.

Budget support

Important legal information

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.