Finance

Finance Calculators

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

25Calculators
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All Finance Tools
Investments & Retirement
↗ 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 › ⏳ Pension Deferral Calculator Take your pension now or defer? Find your break-even age and crossover point ›
Mortgage
£ 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 ›
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 ›
Tax & Income
£ UK Salary Calculator Exact take-home pay after income tax, NI, pension, student loan — 2025/26 › ⏱ Time and a Half Calculator Overtime pay at 1.5×, 2× or custom rate with 2026/27 tax band and NMW check › ⏱ Hourly to Salary Calculator Convert any hourly wage to annual salary with UK & US take-home pay breakdown › 🤱 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 › ⌂ UK Stamp Duty Calculator SDLT with first-time buyer relief, 5% surcharge and non-UK resident rates › ⛽ UK Fuel Prices Every UK forecourt from the GOV.UK Fuel Finder API — updated every 30 min ›