Personal finance planning for all

Your money, clearly understood.

Free calculators for salary, mortgage, pension and debt. Pro unlocks a personalised financial plan — the kind a financial adviser would charge £150/hr for.

Try the demo free → See pricing
NET WORTH PROJECTION
£0
↑ +£425k over 5 years
5 YR OUTLOOK
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Mortgage
£255k
outstanding balance
Monthly surplus
£9.6k
after all outgoings
Pension pot
£84k
projected at 67
ISA savings
£20k
cash & stocks
What's inside

Free calculators + Pro planning tools

Free calculators for everyday use — salary, mortgage, pension, debt, stamp duty and more. Pro unlocks planning tools that go deeper: personalised plans, tax planning, pension optimisation, FIRE, investment analysis, life events, retirement income and more.

FREE
Mortgage
Monthly payments, total interest, repayment schedules, and overpayment scenarios.
Salary & Tax
Take-home pay, income tax, National Insurance, and student loan repayments.
Pension
Project your pension pot at retirement and estimate the monthly income it could provide.
Investment
Project how a lump sum or regular contributions grow over time with compound interest.
Credit Card & Loan
How long to clear your balance, total interest paid, and the fastest payoff strategy.
Inflation & Time Value
What today's money is worth in future. UK inflation data and time-value-of-money calculations.
PRO
Lifestyle
Back-solve a salary from your lifestyle goals
Pension Optimiser
Real cost of changing your pension %
Retirement Income
Work back from the income you want
FIRE Calculator
Your financial independence number
Inheritance Tax
Estate IHT with RNRB & 2027 changes
Cost of Living
Salary needed to live in any UK city
Capital Gains Tax
CGT on shares, property & assets
Dividend Tax
Tax on dividends for UK investors
Buy-to-Let
True yield after Section 24 tax
Career Move
Real take-home after tax & commute
Income Protection
Survival runway if you can't work
Self-Employed Tax
Sole trader vs limited company
Try the demo free → See pricing
How it works

From zero to a plan in under five minutes

1
Try the free calculators
No account needed. Salary, mortgage, pension, debt — all instantly accessible. Get the numbers that matter to you right now.
2
See Jill's demo plan
Try the demo — Average Jill has a salary, a mortgage, and a goal. Watch a complete personalised plan build in real time. No signup required.
3
Build yours with Pro
Enter your real numbers and goal. Get a personalised plan — surplus, net worth, retirement projection, debt strategy and a monthly action plan. From £7.99/mo.
Pricing

Start free, upgrade when you're ready

Free calculators for everyone. Pro plans deliver the full financial planning experience. Adviser accounts for professionals managing multiple clients.

Free
£0
forever
  • All free calculators — no account needed
  • Salary, mortgage, pension, debt & more
  • Fun Finance tools
  • Saved calculator scenarios (with account)
  • Personalised financial plans
  • Pro calculators (FIRE, IHT, Lifestyle…)
  • PDF export
Try free calculators →
Pro
£7.99
per month
= £5/mo · billed annually
  • Everything in Free
  • Personalised financial plans
  • All Pro calculators — FIRE, tax planning, lifestyle, retirement, investment and more
  • What-if scenario modelling
  • Side-by-side Compare mode
  • PDF export
  • Saved plans & plan history
Start Pro — £59.99/yr →
Adviser
£39
per month
  • Everything in Pro
  • Multiple client profiles
  • Adviser dashboard
  • White-label firm branding
  • Branded PDF exports
  • Priority support
Start Adviser →
A financial adviser charges £150/hr. Pro is less than 2p a day.
Ready?

The plan a financial adviser would charge £150 for. We charge £7.99.

Try the free demo — no account, no card. See a complete personalised plan first.

Try the demo free → See pricing
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