Finance

Finance Calculators

Free UK tools for investments, retirement, mortgage, savings, debt and income tax. Built on real data, no ads, no sign-up.

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All Finance Tools
Investments & Retirement
↗ S&P 500 Calculator See what a past lump sum invested in the S&P 500 would be worth today, using real historical returns since 1957 › ↗ S&P 500 Period Comparison Tool Overlay up to three historical S&P 500 eras — compare real vs nominal returns, CAGR and max drawdown side by side › ⟳ Forex Compounding Calculator UK Multi-period profit reinvestment simulator with Hybrid Ladder lot sizing & UK/US/CA tax warnings › ⌀ Stock Average Calculator UK Weighted average share price with SDRT, 2026 Listing Relief & HMRC Section 104 warnings › ↘ Retirement Drawdown Simulator Stress-test your pension pot against every real S&P 500 window since 1957 › ◈ Personal Investment Return (XIRR) Find your true, money-weighted rate of return versus the market › ⏳ State Pension Deferral Calculator Take your State Pension now or defer for a bigger payment? Find your weekly uplift and break-even age ›
Mortgage
% Mortgage Affordability Calculator How much can you borrow? Income multiple vs net take-home budget, with stress test › £ Mortgage Repayment Calculator Monthly repayments, total interest and full amortisation schedule › ⌂ Mortgage Overpayment Calculator See interest saved and years knocked off with regular or lump-sum overpayments › ⇄ Invest or Overpay My Mortgage? Compare long-term wealth impact accounting for tax band and ISA allowance › ⊞ Price Per Square Foot Calculator Price per square foot for UK, US & Canadian properties with RICS GIA and ANSI measurement modes › ⌂ UK Stamp Duty Calculator SDLT with first-time buyer relief, 5% surcharge and non-UK resident rates ›
Savings, Budgeting & Cash Management
◈ Compound Interest Calculator Savings growth with deposits, rate increases, inflation adjustment and tax › ◎ Savings Goal Calculator Monthly savings needed to reach a target amount by a specific date › 💸 ISA Calculator Model Stocks & Shares or Cash ISA growth with £20,000 allowance › ⏳ How Long Will My Money Last Calculator Savings depletion runway with currency selector, inflation adjustment & month-by-month chart › ⇌ Budget Planner Live Sankey flow chart of where your money goes with what-if scenarios › 💷 Money Counter Calculator Count till cash by denomination, subtract float, enter Z report — see variance instantly. UK & US modes ›
Debt
❄ Debt Snowball Calculator Pay smallest debts first to build momentum — see your debt-free date › ▲ Debt Avalanche Calculator Attack highest-interest debt first to minimise total interest paid › 0% 0% Balance Transfer Calculator See the payment needed to clear your card before the 0% promo ends ›
Tax & Income
▤ All Income & Tax Calculators The full income-tax hub — take-home, tax traps, students, NHS & public sector › £ UK Salary Calculator Exact take-home pay after income tax, NI, pension, student loan — 2026/27 › 🏛 Public Sector Take-Home Pay Police, Civil Service, Teachers' & Armed Forces — tiered non-marginal pensions, 2026/27 › ➕ NHS Take-Home Pay Calculator Agenda for Change pay with the tiered NHS pension and HCAS London weighting › ⚠ £100k Tax Trap Calculator The 60% effective rate between £100k–£125,140 and the pension sacrifice that escapes it › 👶 Child Benefit Charge (HICBC) The £60k–£80k Child Benefit clawback, what you keep and whether to opt out › 🏴 Scottish Take-Home Pay Calculator Scotland vs rest-of-UK net pay across all six Scottish income-tax bands › 🎓 Plan 5 Student Loan Calculator The new English loan — 9% above £25,000, first repayments from April 2026 › 🎁 Bonus & Emergency Tax Calculator Why a bonus looks over-taxed, the true take-home, and when PAYE refunds it › 🐷 Salary Sacrifice Calculator See the income tax and NI you save and how much lands in your pension — 2026/27, England/Wales/NI & Scotland › ⏱ Time and a Half Calculator Overtime pay at 1.5×, 2× or custom rate with 2026/27 tax band and NMW check › 🤱 Maternity & Sick Pay Calculator Compare normal vs leave-period take-home after UK tax, NI, pension and student loan › ⇄ Required Salary Calculator Find the gross salary needed for any monthly take-home after UK tax, NI, pension and student loan › ⚖ Two Jobs Tax Calculator Calculate combined take-home pay from two jobs with UK PAYE and US W-4 logic, NI per-job breakdown › ⏱ Hourly Wage Calculator Convert an hourly rate to annual salary and 2026/27 take-home, with overtime at any multiplier › ◱ Pro-Rata Salary Calculator Convert a full-time salary to part-time hours, a percentage or weeks worked — take-home compared side by side › ⇄ Salary Comparison Calculator Compare two salaries side by side — current job vs offer — take-home, tax, NI and pension differences › ⚖ Compare Tax Years Run one salary against any two UK tax years to see how the April 2026 budget changed your take-home › ⛽ UK Fuel Prices Every UK forecourt from the GOV.UK Fuel Finder API — updated every 30 min ›