Works backwards from the life you want. Enter your monthly spending across all categories plus a savings target, and it calculates the gross salary you need to fund it after tax. A powerful reality check when setting career goals, considering a pay cut for a better role, or planning how much you need to earn before retiring.

Works backwards from the retirement income you want. Enter your target monthly income, existing savings, and when you want to retire — it calculates the total pot you'll need and the monthly contribution required to close any gap.

Calculates your monthly repayment and total interest over the life of a mortgage. Also shows the Stamp Duty you'll owe, how much you can borrow based on your income, and what overpaying saves you in time and interest.

Shows your take-home pay after income tax, National Insurance, pension contributions and student loan repayments. Use it when comparing job offers, negotiating a pay rise, or understanding exactly how a salary increase affects your pocket.

Shows the real trade-off of increasing your pension contribution through salary sacrifice. Enter your current and proposed contribution percentages — it shows exactly how much take-home you give up versus how much extra lands in your pension (always more, because of tax and NI relief). Also projects the difference in your pension pot at retirement, and flags if you're near the tapered annual allowance or the £100k personal allowance trap.

Projects your pension pot at retirement and estimates the monthly income it could provide — either through flexible drawdown or a guaranteed annuity. Enter your current pot, contributions and expected growth to see whether you're on track.

Two modes. The custom rate calculator shows what a sum of money will be worth in future after inflation erodes its purchasing power, using a rate you specify. The historical prices calculator uses actual UK CPI data going back to 1750 to show what goods and services cost in a given year compared to another.

Shows how a lump sum or regular contributions grow over time through compound interest. Use it to set savings goals, model ISA growth, or see what a difference starting earlier — or choosing a higher-return fund — makes over the long run.

Calculates your monthly repayment and the total cost of any personal loan. Use it to understand what a loan truly costs in interest, or to compare offers with different rates and terms before committing.

Solves for any unknown in a time-value-of-money problem. Enter four of the five variables — present value, future value, rate, periods, payment — and the calculator finds the fifth. Also includes a Net Present Value (NPV) mode for evaluating investments with multiple cash flows.

Shows how long it will take to clear a credit card balance and how much interest you'll pay in total. Paying even slightly more than the minimum each month makes a dramatic difference — this calculator shows exactly how much.

Compares overpaying your mortgage against investing the same money — showing which strategy builds more wealth after accounting for interest saved, investment growth, and capital gains tax. Answers the classic personal finance question: should I overpay my mortgage or invest?

Calculates your Financial Independence number — the investment pot at which your assets generate enough passive income to cover your living costs indefinitely, without needing to work. Also shows how many years away you are at your current savings rate, and the impact of saving more or spending less.

Models the financial impact of a major life event — having a baby, redundancy, a career break, or getting married — before it happens. See how your monthly cashflow changes, how long your savings will last, and what you can do to prepare.

Estimates the UK Inheritance Tax (IHT) bill on an estate using current HMRC thresholds. Enter the estate value, property details and personal circumstances to see how much IHT may be due — and where the main allowances apply.

Calculates the Stamp Duty Land Tax (SDLT) you owe when buying a residential property in England or Northern Ireland. Rates are applied in bands.

Estimates the Capital Gains Tax you may owe when disposing of an asset. CGT is charged on the gain — not the full sale price. The annual exempt amount (£3,000 for 2024/25) is deducted before tax is applied.

Calculates the personal tax due on dividend income — for investors, shareholders, and anyone receiving dividends from UK companies. Dividends sit on top of your other income and are taxed at the rate for your band, after a £500 annual allowance.

For limited company directors: shows the most tax-efficient way to extract profit from your company by splitting income between salary and dividends. Compares your total take-home against taking the same profit as a PAYE employee.

A collection of calculators that put your money in real-world context. No projections to act on — just numbers that make you think. All figures update in real time as you type.

Compares the cost of living between two UK cities across eight spending categories. Enter your current city, salary, and spending mix — see what equivalent salary you'd need in your target city to maintain the same standard of living. All indices are relative to UK average (100).

Shows what a new job or pay rise is actually worth in your pocket — after income tax, National Insurance, pension changes, commuting costs, and any other new expenses. A headline salary increase can be significantly eroded by higher costs or a worse pension. This calculator shows the real number.

Shows the financial gap if you became too ill or injured to work. Most people dramatically underestimate this risk — 1 in 6 workers will be off for 6+ months at some point in their career. This calculator shows your monthly income gap, how long your savings would last, and what level of income protection insurance would close the gap.

Compares two self-employment structures at the same revenue level: sole trader (paying income tax plus Class 2 and Class 4 NI) versus limited company (paying corporation tax, then taking salary up to the personal allowance and the remainder as dividends). Shows your total tax bill and what you actually take home under each structure.

Calculates the true return on a buy-to-let property — gross and net yield, monthly cash flow, annual tax bill including the Section 24 finance cost restriction, and return on your deposit. Also stress-tests the investment against a 2% rate rise.