Tools
Money tools
Simple, honest calculators that give you an answer in minutes. They're free, there's nothing to sign up for, and your numbers never leave your browser.
Salary calculator
See your real take-home pay for 2026/27 — income tax (including Scottish rates), National Insurance, pension and student loan, all worked out as you type.
Open the calculator → Home · England & NIStamp duty calculator
Work out your stamp duty in seconds — standard, first-time buyer and additional-property rates, with a full band-by-band breakdown.
Open the calculator → HomeMortgage repayment calculator
Your monthly payment, the total interest over the term, and your loan-to-value — enter the price, deposit, rate and term.
Open the calculator → HomeMortgage overpayment calculator
See how much time and interest a monthly overpayment could save you — and when you would be mortgage-free.
Open the calculator → Everyday · 50/30/20Budget planner
Enter your take-home pay and drag the needs, wants and savings split — see each pot update live, and what the savings slice could grow into at real interest rates.
Open the calculator → SavingSavings calculator
Watch compound interest work — see what a starting pot plus regular saving could grow into over time.
Open the calculator → PensionsPension calculator
A rough projection of what your pension pot could be worth by retirement — and the cost of waiting to start.
Open the calculator → DebtCredit card payoff calculator
Add all your cards, set what you can afford each month, and see your debt-free date — plus whether a 0% balance transfer is worth it.
Open the calculator → Debt · snowball vs avalancheDebt payoff calculator
Compare the snowball and avalanche methods across all your debts — which clears them fastest, and which costs least in interest.
Open the calculator → Your rightsFlight delay compensation checker
Three quick questions to find out if you could be owed up to £520 for a delayed or cancelled flight under UK261.
Open the calculator → Energy · updated monthlyEnergy price cap tracker
The current capped rates, what a typical household pays, next quarter's forecast — and what the cap means for your own usage.
Open the calculator → Energy · Budget 2026Budget energy help checker
The £100 payment, gas standing charges going, electricity VAT — what the 28 October Budget means for your bill.
Open the calculator → Everyday · SeasonalChristmas budget planner
Per-person caps, food and the secret extras — your weekly save-from-today target and what 1 February looks like.
Open the calculator → Home · EnglandYour First Home calculator
The 2.5% deposit scheme: monthly payment vs a 95% mortgage, and what you repay at sale under three price scenarios.
Open the calculator → Broadband & mobilePrice rise exit checker
Told your price is going up mid-contract? See if Ofcom's rules let you leave free, and when your 30-day window closes.
Open the calculator → Energy · Home improvementsPlug-in solar payback calculator
Will a plug-in kit pay for itself? kWh, £ saved and payback — counting only the electricity you'd actually use.
Open the calculator → Everyday · Getting aroundCar running cost calculator
Your true cost per mile — fuel, tax, servicing, tyres and the depreciation everyone forgets.
Open the calculator → Your rightsParking ticket checker
Council PCN or private parking charge? Get the right appeal route, your deadlines and a pre-filled letter.
Open the calculator → Everyday · FamilyChildcare support calculator
Funded hours, Tax-Free Childcare or Universal Credit — the cheapest legal mix for your family, and the £100k warning.
Open the calculator → Work & taxSide sales tax checker
Vinted, eBay, Marketplace: will the platform report you, do you owe tax, and what to do by when.
Open the calculator → Home bills · England & WalesWater meter calculator
Would a meter cut your bill? Your company's 2026/27 rates, your habits, and the 24-month switch-back right explained.
Open the calculator → Your rightsCan I return this?
Faulty gift, no receipt or bought online? Legal right or shop goodwill, what you're owed, your deadline and a ready-to-send message.
Open the calculator → Everyday · Bills & subscriptionsSubscription audit
List what you pay for and see the yearly total, what renews in the next 60 days, and what cancelling would save.
Open the calculator → Work & taxMaking Tax Digital checker
Sole trader or landlord? See if MTD applies from April 2027, your start date and your first-year quarterly deadlines.
Open the calculator → Phone & broadbandDigital landline checker
Is the landline switch going to affect you? What changes, who to tell, what you get free, and whether you need broadband (usually not).
Open the calculator → Work & taxStudent loan repayment calculator
Plan 1, 2, 4, 5 or postgrad: when you'll clear it or have it written off, what you'll repay in total, and what an overpayment changes.
Open the calculator → Work & taxRedundancy pay calculator
Statutory redundancy pay by age and service, plus notice and holiday pay — and how much is tax-free versus taxed.
Open the calculator → HomeFixed rate ending calculator
Your new monthly payment when your fix ends, the cost of drifting onto the standard variable rate, and ways to keep the payment down.
Open the calculator → Everyday · Food & shoppingLoyalty card value calculator
Clubcard, Nectar, More Card and the rest: what your cards are worth a year, with points and member prices kept apart.
Open the calculator → Everyday · FamilyCost of a child calculator
What your children cost this year and to 18, by age — from CPAG's figures — with the Child Benefit and childcare help against it.
Open the calculator → Work & taxLate tax return penalty calculator
Missed 31 January? See the penalties and interest building up, what filing or paying by a date would cost, and your payments on account.
Open the calculator →Every calculator runs entirely in your browser — nothing is sent anywhere, and there's nothing to sign up for.