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Free calculators, checklists and support finders. No account is needed. Each tool explains its scope and assumptions; your tool inputs are processed in the browser. The budget planner can save a copy on your device when you choose.
Mortgages & property
- Mortgages & property
Mortgage repayment calculator
Work out your monthly mortgage payment, total interest and the impact of a rate change — in plain pounds and pence.
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Stamp Duty calculator (England & Northern Ireland)
Calculate Stamp Duty Land Tax on a home in England or Northern Ireland, band by band — first-time buyer relief, the 5% higher rates and the 2% non-UK resident surcharge.
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Land Transaction Tax calculator (Wales)
Work out Welsh Land Transaction Tax on a home, band by band, at main or higher residential rates — with both totals side by side.
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LBTT calculator (Scotland)
Work out Scottish Land and Buildings Transaction Tax on a home, band by band — with first-time buyer relief and the 8% Additional Dwelling Supplement.
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Cost of moving calculator: buying and selling a home
Add up the cost of moving: property tax and official registration fees for wherever you buy, plus your own quotes for legal fees, surveys, estate agents and removals.
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Mortgage affordability calculator (UK)
Estimate the maximum property price you can target — including a +3% stress-test on the monthly payment and an adjustment for other commitments.
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Compare two mortgages — total cost calculator
Compare two mortgage deals side-by-side over the shorter of the two initial periods. Includes the product fee — not just the headline rate.
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Buy-to-let yield calculator
Gross yield, net yield, cash-on-cash return and mortgage interest cover — with built-in allowances for voids and management.
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Mortgage overpayment calculator
See how much interest you'd save and how many years you'd cut off your mortgage by overpaying each month or paying a one-off lump sum.
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Tax & take-home pay
- Tax & take-home pay
Take-home pay calculator (2026/27)
Estimate your take-home pay after Income Tax, National Insurance and pension contributions in England, Wales and Northern Ireland.
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Marriage Allowance calculator (2026/27)
Check whether you can transfer £1,260 of unused Personal Allowance to your spouse or civil partner — and back-claim up to four previous tax years.
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Salary sacrifice vs net pay comparison
Compare the same workplace pension contribution paid via salary sacrifice and via net pay — and see the National Insurance you save.
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Capital Gains Tax calculator (2026/27)
Work out the Capital Gains Tax on shares, funds or a second property using current rates and the £3,000 annual exempt amount.
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Council Tax calculator (England)
Work out your annual Council Tax bill in England from your property band and your local Band D charge — including the single-person discount and second-home premium.
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Inheritance Tax calculator (UK)
Estimate your Inheritance Tax bill using the £325,000 nil-rate band, the £175,000 residence band, taper above £2m and any allowance transferred from a deceased spouse.
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Statutory redundancy pay calculator (UK)
Work out the statutory minimum redundancy payment using your age, full years of service and weekly pay (capped at £751 from 6 April 2026 in England, Wales and Scotland).
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Statutory Maternity Pay calculator (UK)
Work out Statutory Maternity Pay over the 39 paid weeks — 90% of your weekly pay for 6 weeks, then the lower of £194.32 or 90% for 33 weeks.
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Digital asset Inheritance Tax calculator (UK)
Estimate the IHT exposure of an estate that includes cryptoassets, NFTs and other digital property, with the £325k nil-rate band, residence band, spouse transfer and the 36% reduced charity rate.
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Charitable giving tax-relief calculator
Compare the true net cost of donating cash via Gift Aid, qualifying investments (listed shares, AIM, UCITS units) or cryptoassets direct to a UK charity.
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Universal Credit calculator (estimate)
Estimate your monthly Universal Credit from your circumstances, children, rent, earnings and savings — including the 55% earnings taper.
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UK VAT calculator
Add or remove VAT at 20%, 5% or 0% — work out the net price, VAT element and gross total from any invoice or quote.
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Savings & investing
- Savings & investing
Savings goal & compound interest calculator
Plan how much to save each month to hit a target, or see how a lump sum grows over time at any interest rate.
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Premium Bonds probability calculator
See your real odds of winning a Premium Bonds prize, your expected annual return at the current prize-fund rate, and how it compares with easy-access savings.
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Pensions
- Pensions
Pension contribution & tax relief calculator
See how much basic, higher and additional-rate tax relief is added to your pension — and what your real out-of-pocket cost is.
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Pension drawdown sustainability calculator
Project how long your pension pot lasts in drawdown — including inflation-linked rises and the “4% rule” benchmark.
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National Insurance top-up calculator
Compare your HMRC contribution quote with a DWP-confirmed State Pension increase. Estimate the years needed to recover the cost after tax.
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Midlife money MOT checklist (ages 45–60)
Ten-point retirement readiness checklist — State Pension forecast, NI gaps, drawdown vs annuity, Pension Wise, LPAs and April 2027 pension IHT.
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Annuity income estimator
Convert a pension pot into an illustrative level annuity income — annual and monthly figures from pot size, age and quoted rate.
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What type of pension do I have?
Four quick questions to identify whether you likely have a defined contribution pot, defined benefit promise, or mainly State Pension — with next-step guides.
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Borrowing
- Borrowing
Debt health-check triage
Answer three questions about priority bills, unsecured debt and affordability — get pointed to free UK debt advice and relevant Money Guide reading.
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Monthly budget planner
Plan your monthly income and spending, find practical next steps and optionally save a budget on this device, print it or download a copy.
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Credit card payoff calculator
See how long it will take to clear a card balance — and how much interest you save by paying a fixed amount rather than the minimum.
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Personal loan repayment calculator
Estimate monthly repayments, interest and total cost for a fixed-rate personal loan over 1–120 months.
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Student loan repayment calculator (2026/27)
See your monthly PAYE deduction for Plan 1, 2, 4 or 5 — plus a postgraduate loan if you have one — and whether you are likely to repay in full or have the balance written off.
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Bills & utilities
Debt & money troubles
- Debt & money troubles
UK bill prioritiser
Tick the bills you are behind on and see which to tackle first under UK priority-debt rules — rent, council tax, energy and unsecured credit in order.
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Free debt advice locator (UK)
Find free, FCA-regulated debt help for England, Wales, Scotland and Northern Ireland — StepChange, National Debtline, Citizens Advice and nation-specific services.
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Benefits
Family & care
- Family & care
Will preparation checklist
Prepare your decisions about beneficiaries, executors, property, signing and storage. Tailor the checklist, mark your progress and download or print it.
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Name-change notification checklist
Organise the records to update after a name change. Include relevant household details, track each notification and print or download your checklist.
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Divorce & separation money calculator
Illustrative split of household income, housing costs and CMS child maintenance after separation — not spousal maintenance or legal advice.
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Baby budget calculator (first year)
Plan one-off baby kit costs and monthly nappies, feeding and childcare for the first year — plus the income drop during maternity leave.
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