Personal Finance Calculator

Mortgage Calculator

Monthly repayment, SDLT & amortization

Saved Scenarios

🏡 Affordability Check How much can you borrow?

Loan Details

Property Price

Deposit

Interest Rate

Term (Years)

yrs

Repayment Type

Buyer Type

Extra Monthly Overpayment

Monthly Payment

—

Loan Amount—

Total Repaid—

Total Interest—

LTV Ratio—

Stamp Duty (SDLT)—

Total Upfront—

Principal vs Interest

Principal share—

Stamp Duty (SDLT) Breakdown

Total SDLT—

Amortization — First 12 Months

#	Payment	Principal	Interest	Balance

Salary & Tax

Take-home pay after tax & national insurance

Saved Scenarios

🇬🇧 UK

🇺🇸 US

🇮🇪 Ireland

🇨🇦 Canada

🇦🇺 Australia

Income Details

Annual Gross Salary

Pension Contribution

Other Deductions (Annual)

Gross Annual Salary

—

Gross Monthly—

Gross Weekly—

Gross Daily—

Take-Home Pay

—

Effective Tax Rate—

Total Deductions—

Deduction Breakdown

Pension Calculator

Projected pot with nominal & real returns

Saved Scenarios

Your Details

Current Age

yrs

Retirement Age

yrs

Current Pension Pot

Monthly Contribution

Employer Contribution

Annual Growth Rate (Nominal)

Assumed Inflation Rate

Annuity Options

Annuity Rate

Guarantee Period

yrs

Annuity Type

Projected Pot at Retirement

—

📉 Real value today: —

Years to Retirement—

Real Growth Rate (Fisher)—

Total Contributions—

Investment Growth—

Drawdown Income (25yr)

—

📉 Real income: —

+ State Pension (est.)£901/mo

Total (Nominal)—

Total (Real)—

Annuity Income (Guaranteed)

—

Annual Annuity—

vs Drawdown—

Break-even Age—

Guarantee Period—

+ State Pension Total—

Annuity vs Drawdown — Full Comparison

Drawdown Strategy

—

FlexibilityHigh ✓

Longevity riskYou bear it

Death benefitRemaining pot

25yr total paid—

Annuity Strategy

—

FlexibilityNone — irrevocable

Longevity riskInsurer bears it

Death benefit—

25yr total paid—

Cumulative Income Over Time

Inflation Calculator

Real value of money over time

Saved Scenarios

Parameters

Starting Amount

Annual Inflation Rate

Time Period

yrs

Future Value Equivalent

—

Purchasing Power Lost—

Real Value (today's money)—

Cumulative Inflation—

Purchasing Power Erosion

Investment & Returns

Compound growth — nominal & real returns

Saved Scenarios

Investment Details

Initial Investment

Monthly Contribution

Annual Return (Nominal)

Assumed Inflation Rate

Investment Period

yrs

Compounding

Total Portfolio Value (Nominal)

—

📉 Real value: —

Total Invested—

Nominal Returns—

Real Returns (inflation-adj.)—

Nominal Multiple—

Real Rate (Fisher eq.)—

Growth Milestones

Loan Calculator

Personal loans, car finance & repayment schedules

Saved Scenarios

Loan Details

Loan Amount

Annual Interest Rate (APR)

Loan Term

yrs

Loan Type

Extra Monthly Payment

Monthly Payment

—

Total Repayable—

Total Interest—

Interest % of Loan—

Monthly Interest Cost—

Interest vs Principal

Interest share—

Repayment Schedule — First 12 Months

#	Payment	Principal	Interest	Balance

Time Value of Money

Calculating the effect time has on money return

Saved Scenarios

Present Value

Future Value

Discount Rate

Net Present Value

Present Value — What is a future sum worth today?

Future Value (FV)

Discount Rate (per year)

Number of Years

yrs

Compounding

Present Value Today

—

Future Value—

Discount Factor—

Value Lost to Time—

Effective Annual Rate—

Future Value — What will a sum be worth later?

Present Value (PV)

Regular Contribution (per period)

Annual Rate of Return

Number of Years

yrs

Compounding

Future Value

—

Starting Amount—

Total Contributions—

Growth Earned—

Return Multiple—

Discount Rate — Solve for the implied rate

Present Value (PV) — Today

Future Value (FV) — Target

Number of Years

yrs

Compounding

Required Annual Rate

—

Total Return—

Rule of 72 check—

Doubling time at this rate—

NPV — Net Present Value of cash flows

Initial Investment (Year 0)

Discount Rate

Annual Cash Inflows

Year 1

Year 2

Year 3

Year 4

Year 5

Net Present Value

—

Total Cash Inflows—

PV of Cash Inflows—

Initial Investment—

Decision—

Cash Flow Breakdown

Credit Card Calculator

Minimum payments, true cost & payoff strategies

Saved Scenarios

Card Details

Current Balance

Annual Interest Rate (APR)

Minimum Payment Rules

Min Payment % of Balance

Minimum Payment Floor

Your Monthly Payment

Fixed Monthly Payment (optional)

Leave at £0 to see minimum-only. Enter an amount to see a custom payoff scenario.

Interest Accruing Now

—

Daily interest charge—

Minimum payment due—

⚠️ Minimum Payments Only

—

Total interest paid—

Total amount paid—

✅ Pay Off in 3 Years

—

Total interest—

Interest saved vs min—

Time saved vs min—

💚 Pay in Full Today

1 payment

Interest saved vs min—

🎯 Your Custom Payment

—

Total interest—

Total paid—

Interest saved vs min—

Time saved vs min—

Strategy Comparison

First 12 Months — Minimum Payments

#	Payment	Principal	Interest	Balance

Money Guidance

Your personalised strategy across debts, investments & emergency fund

Saved Scenarios

💳 Your Debts Mortgage, loans, cards

📈 Your Investments Pension, ISA, savings

🛡️ Cash & Assumptions Spare cash, emergency fund, rates

⚖️

Your guidance will appear here

Open the sections above to add your debts, investments and monthly spare cash — we'll instantly show you where every pound should go.