Calculators hub
Simple money tools for smarter decisions
Compare mortgages, investing, debt, pensions, and savings with beginner-friendly calculators that explain what the numbers mean.
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What you can figure out fast
Mortgage vs Invest
Compare a guaranteed mortgage saving with long-term investing.
Compound growth
See how regular saving can build over time.
Take-home pay
Estimate what salary may leave you with after deductions.
Popular calculators
Most used calculators
Start with the tools that answer the most common money questions first.
Mortgage Overpay vs Invest
See whether putting extra money into your mortgage or investing it could leave you better off.
OpenCompound Interest
See how your savings could grow over time with regular contributions and compounding.
OpenInterest-only vs repayment (and invest the difference)
Compare repayment with interest-only and see what investing the payment gap could grow into.
OpenSalary Calculator
Estimate what a UK salary could leave you with after tax, NI, pension, and student loan deductions.
OpenISA vs SIPP Monthly
Compare ISA and pension investing to see which may suit your goal better.
OpenDebt Snowball vs Avalanche
See which debt strategy could clear your balances faster and with less interest.
OpenAll calculators
Browse calculators by goal
Pick the area you want help with, then choose the calculator that fits your next decision.
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Explore calculators by financial goal
Every tool is designed to give you a quick estimate first, with simple guidance underneath to help you read the result.
Mortgage & Property
Mortgage payments, overpayments, remortgaging, and property decisions.
Interest-only vs repayment (and invest the difference)
Compare repayment with interest-only and see what investing the payment gap could grow into.
OpenLump Sum: Overpay vs Invest
Test whether a lump sum is more useful reducing your mortgage or aiming for investment growth.
OpenMortgage Overpay vs Invest
See whether putting extra money into your mortgage or investing it could leave you better off.
OpenMortgage Payment Calculator
Estimate your monthly mortgage payment and the total cost of borrowing.
OpenRemortgage Fee Break-even
Check whether a lower remortgage rate is likely to outweigh the fees.
OpenInvesting & Retirement
Long-term growth, pensions, tax wrappers, retirement planning, and fee checks.
Compound Interest
See how your savings could grow over time with regular contributions and compounding.
OpenFee Drag: Investment Costs
See how investment fees can quietly reduce your long-term returns.
OpenISA vs SIPP Monthly
Compare ISA and pension investing to see which may suit your goal better.
OpenMortgage Overpay vs Pension
See whether spare monthly cash is more useful in your pension or on your mortgage.
OpenRetirement Income Gap
Estimate whether your retirement income plan looks on track or still needs a gap filled.
OpenDebt Management
Debt payoff strategies and related tools for regaining control.
Debt Snowball vs Avalanche
See which debt strategy could clear your balances faster and with less interest.
OpenDaily Budgeting
Budgeting, salary, cash buffers, and everyday financial planning.
50/30/20 Budget Split
Split your take-home pay into needs, wants, and savings with a simple budgeting rule.
OpenNet Worth Tracker
Add up what you own and owe to get a clearer picture of your financial position.
OpenSalary Calculator
Estimate what a UK salary could leave you with after tax, NI, pension, and student loan deductions.
OpenEmergency Fund Target
Work out how much emergency cash could help you feel more financially secure.
OpenWhy use these tools
Why people come here
Quick tools for real financial decisions, with plain-English explanations to help you sense-check the result.
Compare options clearly
Compare two money choices side by side before you commit to one path.
Understand the maths
Understand interest, debt, and investing more clearly with plain-English outputs.
Move faster
Get quick estimates in minutes when you want a practical first answer.
Build confidence
Build confidence before making bigger decisions or speaking to an adviser.
These tools are designed to simplify money decisions, not replace professional advice.
Learn while you calculate
Learn while you calculate
Use the calculators, then explore simple guides to understand what the numbers mean.
Explore guidesFinancial disclaimer
These calculators are for educational purposes only and do not constitute financial advice.
They use simplified assumptions and browser-based estimates. Read the full disclaimer before making important decisions.