Forces Help to Buy lets UK Regular personnel borrow up to £25,000 interest-free toward a home deposit — but working out your exact entitlement means digging through JSP 464 and HMRC guidance nobody has time to read. This calculator fixes that. Enter your salary, get your entitlement, monthly repayment, insurance cost, and tax position instantly. Free. No sign-up. No email. Just an answer. Verified against JSP 464, gov.uk, and HMRC ITEPA 2003.
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Maker
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Hey PH! 👋
Forces Help to Buy lets eligible UK service personnel borrow up to £25,000 interest-free toward a home deposit, but working out your exact entitlement used to mean digging through MoD policy documents.
So I built the calculator I wish had existed. Salary in → full breakdown out. 10 seconds, no faff.
A few things I'd love your thoughts on:
— Is the output clear enough, or would you want more explanation of any figure?
— Are there other military financial tools that feel equally broken/missing?
Happy to answer anything about the scheme itself or how the calculator works. And if you're serving or know someone who is, please pass it on.