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 →Every calculator runs entirely in your browser — nothing is sent anywhere, and there's nothing to sign up for.