Free Which? tools: get help with money, mortgages, shopping and more

Whether you're looking to lower your spending, shop for a Which? Best Buy or settle a dispute, our tools can lend a helping hand
My Money Health Check on laptop

On a mission to provide expert money-saving advice and shopping tips, Which? has a number of interactive tools to help you get answers. On this page, we round up some of the most popular picks on our website.

Our product experts have helped shape the list below, which includes tools designed to help you cut your monthly spending and mortgage payments. We also have tools to help you shop for secure smart tech, or a new car that's among the most reliable models we've tested.

If you’re not yet a member, get instant access to our expert reviews by joining Which? today.

Tools for buying or selling a property

Ele Clark, Which?

'If you’re thinking of taking out a new mortgage – whether it’s for a new home or you’re remortgaging from an existing deal – our repayment calculator will show you how much your repayments will be based on the interest rate, fees and period of time you’re borrowing over.

It’s super simple to use and lets you experiment with how an interest rate change would affect your monthly payments.'

Ele Clark, Which? Money expert

Mortgage repayment calculator

With our tool, you can also find out the total amount you’ll pay back over the entire duration of the mortgage, as well as the monthly breakdown, which can be really eye-opening in revealing the difference a seemingly small change in interest rate can make.

More property tools:

If you're looking to make improvements to your home, you'll no doubt want a professional to carry out the work.

Which? Trusted Traders is an endorsement scheme that recognises reputable local traders. This includes all kinds of home-improvement professionals – from bathroom fitters, builders and electricians to gardeners, plumbers and home-security experts.

Use the free tool below to find nearby traders who have passed our rigorous assessment:

Tools for dealing with scams and disputes

Hannah Downes, Which?

'Our faulty goods tool is a really useful way to put your consumer rights into action.

It's not always easy to know what you’re entitled to if a product you’ve bought turns out to be faulty – but our tool does the hard work for you, letting you (and the retailer in question) know exactly what your consumer rights are in terms of refunds, repairs or replacements.'

Hannah Downes, Which? Consumer Rights expert

Complain about faulty goods

Since our tool launched, we’ve had great success in helping consumers get their money back or faulty goods replaced. Try it for yourself, or visit our page on how to get a refund, repair or replacement.

More complaint tools: 

Tools to find the perfect car for you

Will Stapley, Which?

'New or used, big or small, petrol or electric – whatever car you’re thinking of buying, you’ll want it to be reliable. With the Which? car reliability tool, you can search for the latest reliability information for hundreds of cars, all based on our annual survey of nearly 50,000 UK car owners.

We’ll also tell you if a car has a common fault, so you can get it checked out before parting with your cash.'

Will Stapley, Which? Cars expert

Most reliable cars

Our car reliability tool below is for Which? members only. Join Which? today for this and a host of other perks, including access to all our product tests, reviews and recommendations.

Car reliability tool - locked

More car tools:

  • Car CO2 checker – as part of our rigorous car reviews, we measure CO2 ourselves in our own tests, that go further than the official ones, to produce more realistic figures.
  • Car problem tool – if you have an issue with your vehicle, enter your car registration and we'll help you plan the next steps.
  • Compare car insurance – get a quote from the companies we've rated.

Tools to help you shop for smart tech

Amy Axworthy, Which?

'Without important security patches, hackers can exploit vulnerabilities in your phone's software, and the risks increase the longer it remains unsupported. It’s important to find out if your current phone is still supported and how long your next phone will receive updates.

In the past, we’ve found Sim-free phones for sale (new) that had already fallen out of support, and some that were expected to fall out of support before the end of contracts on offer. It’s also an issue in the sale of older second-hand phones.'

Amy Axworthy, Which? Mobile Phones expert

Which? phone support calculator

Search for a phone you own, or one you're looking to buy, to see how long we estimate it will continue getting important updates.

Remaining support in our free tool above is based on our own estimate of minimum time left before a phone stops receiving security updates, based on typical manufacturer and device-specific support periods.

For more expert insight, see our guide on mobile phone security.

More smart tech tools:

Tools for tax

Reena Sewraz, Which?

'How much tax you pay on your earnings will depend on how much you make, when you make it, which rates apply, where you live in the UK and how old you are.

Our income tax calculator can quickly do the sums and offers a breakdown of how much income tax and National Insurance is due over the year, as well as what your take home pay will be each month.

Reena Sewraz, Which? Money expert

Income tax calculator

Income tax calculator

You'll find our calculator particularly handy if you want to check your payslip or if a new job is worth going for. It can save you time hunting for the right figures to use for previous tax years on your tax return. See our guide to the income tax calculator.

More tax tools:

Tools to help with pension calculations

Paul Davies, Which?

'Our pension calculator will help you gauge what sort of pot size you'll end up with. By including estimated future personal and employer contributions, and assuming some growth in your investments, we can project what your total fund might eventually look like.

At the next stage, we work out annual retirement income you can produce by taking an annuity or drawdown with your accrued savings when you stop working.'

Paul Davies, Which? Pensions expert

Pension calculator

Pension calculator

Making sure that you're on track to secure the retirement that you desire is becoming more important and increasingly difficult. Single people need an average annual income of £20,000 for a comfortable retirement, according to new Which? research. The equivalent figure for a couple is £28,000 per year. See our guide to the pension calculator.

More pension tools

Tools for credit and debit cards

Reena Sewraz, Which?

'Tackling credit card debt can be overwhelming — especially if you have to juggle more than one card charging different interest rates and minimum payments. Our credit card repayment calculator can help.'

Reena Sewraz, Which? Money expert

Credit card repayment calculator

With just three key details from your credit card statements, our calculator can work out what each of your cards are costing you in interest and how long they will take to pay off.

Credit card repayment calculator

You can then use it to check what impact a small, manageable increase in your monthly repayments can make to the time it takes to clear your balance and how much it could save you in interest. Try our credit card repayment calculator for yourself.

More credit and debit card calculators:

Tools for cutting your bills

Emily Seymour, Which?

'We’re all seeing our bills go up at the moment. To help, experts across Which? have put together a wealth of information on how to manage your finances during the cost of living crisis. By answering a handful of questions in our My Money Health Check tool, you can get the very best advice tailored to your circumstances.

Whether it’s rising mortgage costs, supermarket inflation, energy prices or sneaky increases to your broadband fees, everyone has different priorities when it comes to where and how to save. Let us know what you’re interested in and we’ll get you straight to the right tips for you.'

Emily Seymour, Which? Energy expert

Tools for comparing service providers

Yvette Fletcher, Which?

'Our broadband comparison service lets you explore deals on offer where you live. It includes all of the key details – the broadband speed on offer, the length of the contract, the monthly tariff and any upfront costs. Plus, it includes our customer scores so you can see which providers have the most satisfied punters. You can sort deals by price, speed or Which? rating.'

Yvette Fletcher, Which? Broadband expert

Broadband deals comparison tool

So many of us stick with mediocre providers for far longer than they deserve – if you’re unimpressed with your service, our research shows that switching is worth it. It’s likely you’ll find an alternative package that’s faster and more reliable.

More than three quarters of those who have switched broadband provider told us they both found the process easy and saved money as a result.

You can also try our broadband speed checker. If you're unhappy with the results, use our broadband speed complaint tool.

More deals tools:

Spend wisely – join Which?

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