Make logical decisions with your money.
Free UK calculators covering investing, borrowing, tax and property. Build your ISA, model a mortgage, calculate stamp duty or plan your way out of debt — with accurate, UK-specific numbers behind every decision.
Investing Calculators
Compound growth, ISA wrappers, pension decisions and FIRE planning. The maths behind building long-term, tax-efficient wealth — with UK numbers that actually reflect your situation.
Cash ISA vs Stocks & Shares ISA
See the real cost of staying in cash over the long term. Includes inflation-adjusted returns and a volatility view.
Open calculator → LISALifetime ISA Calculator
How the 25% government bonus stacks up over time. First home and retirement scenarios with inflation-adjusted projections.
Open calculator → JISAJunior ISA (JISA) Projector
How much will your child's JISA be worth at 18? Compare Stocks & Shares vs Cash — with real-terms projections and annual allowance tracking.
Open calculator → ISAISA Millionaire Calculator
When will your ISA hit £1 million? Enter your age and monthly contribution — see exactly which age compound growth gets you there.
Open calculator → PensionPension vs ISA
Which builds more spendable income in retirement? Tax relief, employer matching and retirement tax all compared.
Open calculator → FIREFIRE Calculator (UK)
Plan financial independence with UK pension access rules, ISA bridge and State Pension built in. Values in today's money.
Open calculator → CompoundCompound Interest — Cost of Waiting
See exactly what delaying your investment by 1 or 5 years costs you. The numbers are always more alarming than you expect.
Open calculator → FeesPlatform Fee Comparison
See what HL, AJ Bell, Vanguard, Trading 212 and ii actually charge at your portfolio size — and where the crossover points are.
Open calculator →Borrowing Calculators
Credit cards, loans, car finance and debt payoff strategies. Know exactly what borrowing costs you — in total, not just the monthly payment — before you sign anything.
Credit Card Payoff
How long until your card is cleared? Compare minimum payments vs a fixed monthly amount — and see what the difference costs you in interest and years.
Open calculator → LoansPersonal Loan Comparison
Compare loan offers by total cost, not just monthly payment. Enter any APR and term — total interest and total repaid side by side.
Open calculator → Car FinanceCar Finance: PCP vs HP vs Loan
PCP looks cheap until you add up the balloon and mileage limits. See the real total interest for each option before you sign.
Open calculator → DebtDebt Snowball vs Avalanche
Which payoff strategy clears your debts faster and saves the most in interest? Model both methods across all your debts.
Open calculator → DebtDebt Consolidation
Enter your debts and a consolidation loan offer to see exactly how much interest you save — or pay extra — by rolling them into one fixed monthly payment.
Open calculator → Student LoanStudent Loan Repayment
Plan 1, 2, 5 or Postgrad — will you actually clear it, or is it written off? See total repaid, interest, and why overpaying rarely makes sense on Plan 2.
Open calculator → BorrowingBalance Transfer Calculator
Should you move your credit card debt to a 0% deal? Transfer fee vs interest saved — with a warning if the balance won't clear before the 0% window closes.
Open calculator → BorrowingOverdraft Cost Calculator
Most UK overdrafts charge ~40% EAR. See the true daily, monthly and annual cost — and what switching to a personal loan or balance transfer would save.
Open calculator →Property Calculators
Mortgages, remortgaging, BTL yields, first-time buyer schemes and rent vs buy. Every number you need to make a confident UK property decision — before you commit.
Mortgage Affordability
How much can you borrow? Income multiples at 4x, 4.5x and 5x — with a stress test at a higher rate to check it stays manageable.
Open calculator → MortgageMortgage Comparison
Compare mortgage deals by total initial period cost, not just monthly payment. Arrangement fees make a big difference.
Open calculator → MortgageMortgage Overpayment
What overpaying actually saves you. Compare against investing the difference.
Open calculator → MortgageRemortgage Break-even
When do savings from a lower rate offset exit fees, arrangement fee and legal costs? The exact break-even month, clearly.
Open calculator → MortgageRepayment vs Interest-Only
Lower payments now, or owning the property outright at the end? The total interest gap over a full term is larger than expected.
Open calculator → First-Time BuyerFirst-Time Buyer Schemes
LISA, Shared Ownership, First Homes and Mortgage Guarantee — which ones you qualify for and what each is actually worth.
Open calculator → Buy-to-LetBTL Yield Calculator
Gross yield, net yield and monthly cash flow for any UK rental property. Know whether the numbers work before you buy.
Open calculator → PropertyRent vs Buy
Which really builds more wealth? Month-by-month simulation accounting for deposit opportunity cost, maintenance, and house price growth.
Open calculator →Tax Calculators
Income tax, stamp duty, capital gains, pension relief and more. Every rate, band and allowance calculated correctly for 2026/27.
Stamp Duty (England & NI)
Every SDLT band, every surcharge. First-time buyer relief, second home and BTL rates for England and Northern Ireland.
Open calculator → Stamp DutyWales Land Transaction Tax
LTT rates for Wales, including higher rates for additional dwellings. Different bands from England — calculated correctly.
Open calculator → Stamp DutyScotland LBTT Calculator
Land & Buildings Transaction Tax with first-time buyer relief and Additional Dwelling Supplement. All bands correct.
Open calculator → Stamp DutyStamp Duty Refund
Paid the 5% additional-property surcharge? If you've since sold your previous main home, you may be owed a refund. Check your eligibility and deadline.
Open calculator → Capital GainsCapital Gains Tax Calculator
CGT on shares, property and business assets for 2026/27. Basic and higher rate split, annual exempt amount and BADR — all calculated correctly.
Open calculator → Income TaxIncome Tax & Take-Home Pay
Gross salary to net pay in seconds. Income tax bands, employee NI, pension contributions and student loan — with Scotland rates included.
Open calculator → Dividend TaxDividend Tax Calculator
Tax on dividends above the £500 allowance. Basic and higher rate bands split against your income — essential for company directors and investors.
Open calculator → Self-EmployedSelf-Employed Tax Calculator
Income tax and National Insurance for sole traders. Class 4 NI, Payment on Account planning and monthly set-aside — with Scotland rates.
Open calculator → Inheritance TaxInheritance Tax Calculator
IHT with nil-rate band, residence nil-rate band and transferable spouse allowances. Know the bill before planning how to reduce it.
Open calculator → Child BenefitChild Benefit Tax Charge
How much of your child benefit is clawed back by the High Income Child Benefit Charge? Taper from £60,000 to £80,000 — calculated to the penny.
Open calculator → Income TaxMarriage Allowance Calculator
Transfer up to £1,260 of your personal allowance to your spouse or civil partner — worth £252 a year. Check eligibility and see your backdated claim potential.
Open calculator → PensionPension Tax Relief Calculator
See exactly how much a pension contribution costs you after tax relief. Compare Relief at Source, Net Pay and Salary Sacrifice side by side.
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