All Free UK Money Tools
All Tools
36 free UK calculators — no sign-up, instant results
Home & Mortgage
Mortgage Calculator
Monthly payment, total interest, amortisation
The starting point for any UK property decision — see your exact numbers in under a minute.
Overpayment Calculator
Interest saved and time cut by overpaying
On a typical £200k mortgage, just £200/month extra saves around £28,000 in interest.
Affordability Calculator
How much can you borrow?
Goes beyond income multiples — stress-tests your figure at higher rates too.
Stamp Duty Calculator
SDLT, LBTT and LTT for England, Scotland, Wales
Covers first-time buyer relief, buy-to-let surcharge, and the 2025 threshold changes.
Remortgage Savings
ERC break-even and monthly saving
Mortgage-Free Date
When could you clear the mortgage?
Mortgage Protection
How much life cover do you actually need?
First-Time Buyer
Deposit, income multiples and day-one costs
Rent vs Buy
The honest crossover comparison
Accounts for deposit opportunity cost — the number most rent vs buy tools conveniently ignore.
Downsizing Calculator
Net equity released after all costs
Buy-to-Let Return
True net yield after Section 24 tax
Overpay vs Invest
Net worth compared over time
At current mortgage rates, the answer is closer than most people expect.
Savings & ISAs
Savings Growth
Compound interest over time
£500/month at 4.5% for 20 years becomes over £190,000. See how your numbers stack up.
Savings Goal
How long to reach your target?
Emergency Fund
How much buffer do you need?
Savings Finder
Best rate matched to your needs
Filters by access, amount, and tax wrapper — not just headline rate.
ISA Allowance Tracker
Track your £20,000 annual limit
Cost of Waiting
The real price of delaying savings
Budget & Tax
Take-Home Pay
Net pay after tax, NI and pension
Works for any UK salary — includes student loan, salary sacrifice, and Scotland rates.
Budget Planner
Full income and expenses breakdown
See exactly where your money goes and how much you actually have left each month.
Inflation Calculator
Real value of money over time
Salary Sacrifice Optimiser
NI savings and pension efficiency
Most employees leave free NI savings on the table. This shows exactly how much yours is worth.
Child Benefit & HICBC
Net benefit after High Income Charge
City Disposable Income
Real take-home after rent by city
Pensions & Retirement
Pension Calculator
Project your pot and retirement income
Most people are surprised how much difference starting 5 years earlier actually makes.
Pension Gap Simulator
Are you saving enough?
Enter your current pot, contributions, and target — it tells you if you're on track.
State Pension Forecast
NI years and gap-filling value
Drawdown Calculator
How long will your money last?
Model different withdrawal rates, growth assumptions, and when your State Pension kicks in.
FIRE Calculator
Your financial independence number
UK-specific — accounts for ISA allowances, SIPP access age, and the State Pension bridge.
Life Goals Planner
Map your savings to life milestones
Debt & Loans
Personal Loan
Monthly payment and total cost
Credit Card Payoff
Time and interest to clear your balance
Car Finance
PCP vs HP vs loan comparison
True Cost of Debt
Real interest paid and opportunity cost
Planning & Income
Job Offer Comparison
True net pay side by side
Redundancy Pay
Statutory pay and net lump sum