--- title: "Tools & calculators" date: 2025-12-10T12:15:00+00:00 author: Clinton canonical_url: "https://co-ownership.org/tools-calculators" section: "Help & advice" --- ![Piaras laptop 2980x1000px](https://co-ownership.s3-assets.com/2980x1000px/_2980x1000_crop_center-center_none/piaras-laptop-2980x1000px.png) # Tools & calculators Everything you need to work out whether Co-Ownership is right for you, all in one place. ![Eugene in kitchen 900x600px](https://co-ownership.s3-assets.com/900x600px/_660x440_crop_center-center_none/eugene-in-kitchen-900x600px.png) ### [Eligibility checker](https://co-ownership.org/tools-calculators/eligibility-checker) Answer a few quick questions to find out if Co-Ownership could be the right fit for you. ![Pointing at brochure](https://co-ownership.s3-assets.com/900x600px/_660x440_crop_center-center_none/pointing-at-brochure.png) ### [Affordability calculator](https://co-ownership.org/tools-calculators/affordability-calculator) Find out how much of a share you could afford to buy, based on your income and outgoings. ![Bedroom unit](https://co-ownership.s3-assets.com/900x600px/_660x440_crop_center-center_none/bedroom-unit.png) ### [Repayments calculator](https://co-ownership.org/tools-calculators/repayments-calculator) See what your estimated monthly costs could look like, including your mortgage and rent payments. ![Childs toy train](https://co-ownership.s3-assets.com/900x600px/_660x440_crop_center-center_none/childs-toy-train.png) ### [Buying out calculator](https://co-ownership.org/tools-calculators/buying-out-calculator) Get an indication of how much it might cost you to buy a bigger share of your home. **Whether you're just starting to explore shared ownership or you're already a co-owner thinking about buying more of your home, we've pulled together all our tools and calculators here to help you at every step of your journey.** Our tools are designed to give you a clearer picture of what's possible, so you can make decisions with confidence. They're straightforward to use, free, and available whenever you need them. ### **Starting out** If you're new to Co-Ownership, the best place to begin is our [eligibility checker](https://co-ownership.org/tools-calculators/eligibility-checker). It gives you a quick sense of whether Co-Own or Co-Own for Over 55s could be right for you, before you commit to a full application. Once you know you're eligible, our [affordability calculator](https://co-ownership.org/tools-calculators/affordability-calculator) helps you work out how much of a share you could afford, based on your income, savings or equity, and outgoings. Our [repayments calculator ](https://co-ownership.org/tools-calculators/repayments-calculator)then shows you what your monthly costs might look like, including your mortgage on your share and the rent you'd pay on ours. ### **Planning your budget** Our [budget planner](https://co-ownership.s3-assets.com/Files/Budget-Planner-Co-Ownership.xlsx) helps you take a closer look at your monthly income and outgoings, so you can see where you stand financially and feel prepared before you apply. ### **Ready to buy more of your home?** If you're already a co-owner and you're thinking about increasing your share, our [buying out calculator](https://co-ownership.org/tools-calculators/buying-out-calculator) is a helpful guide to how much it might cost you. You can try different amounts and figures to get a clearer sense of what moving towards full ownership could look like for you cost-wise. ### **Understanding our criteria** Not sure if the home you've found meets our requirements, or want to check whether you qualify? Our [applicant criteria](https://co-ownership.org/starting-the-process/application-process-explained/applicant-criteria) and [property criteria](https://co-ownership.org/starting-the-process/application-process-explained/property-criteria) pages set out everything you need to know. ## Related links - [Applicant criteria](https://co-ownership.org/starting-the-process/application-process-explained/applicant-criteria) - [Property criteria](https://co-ownership.org/starting-the-process/application-process-explained/property-criteria) - [Acceptable documents](https://co-ownership.org/starting-the-process/application-process-explained/acceptable-documents) ## What's your budget? Use our simple budget planner to work out your income and outgoings, and how much you can afford on rent each month. [Free budget planner](https://co-ownership.s3-assets.com/Files/Budget-Planner-Co-Ownership.xlsx) ## Remember... All figures produced by our tools are intended as a guide. For personalised advice, you're always welcome to book an appointment with our team. - [Book an appointment](https://co-ownership.org/book-an-appointment) ![Kim headset](https://co-ownership.s3-assets.com/900x600px/_1380x930_crop_center-center_none/kim-headset.png) - [ Guides & resources ](https://co-ownership.org/guides-resources) - [ Book an appointment ](https://co-ownership.org/book-an-appointment) - [ Owning more of your home ](https://co-ownership.org/managing-your-home/owning-more-of-your-home) - [ Selling your shared ownership home or buying out Co-Ownership ](https://co-ownership.org/managing-your-home/selling-your-home-buying-us-out) - [ Application process explained ](https://co-ownership.org/starting-the-process/application-process-explained)