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15 free UK financial calculators

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Salary Calculator Compound Interest Mortgage Repayment FIRE Calculator Pension Drawdown ISA Calculator Savings Goal Stamp Duty
Income & Tax 2 tools
Take-Home Pay / Salary Calculator Exact net pay after tax, NI, pension and student loan deductions. Updated for 2025/26.
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Stamp Duty Calculator Calculate SDLT on any UK property purchase including first-time buyer relief.
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Savings & Interest 3 tools
Compound Interest Calculator See how interest compounds over time and find your savings growth trajectory.
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Savings Goal Calculator Work out how long to reach a target, or what monthly amount you need to save.
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ISA Calculator Model ISA growth using your annual allowance over any time horizon.
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Investments 4 tools
FIRE Calculator Find your financial independence number and the exact year you could stop working.
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Retirement Drawdown Simulator Stress-test your pension pot against every historical market scenario.
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Investment Returns Simulator Explore historical rolling returns for different asset classes and time periods.
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Personal Investment Return (XIRR) Calculate your true annualised return accounting for irregular cash flows.
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Mortgage 3 tools
Mortgage Repayment Calculator Monthly payments, total interest paid, and full amortisation schedule.
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Mortgage Overpayment Calculator See how overpaying reduces your term and total interest owed.
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Invest or Overpay Calculator Compare the financial outcome of investing spare cash vs. overpaying your mortgage.
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Debt 2 tools
Debt Snowball Calculator Pay off smallest debts first for quick wins and momentum.
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Debt Avalanche Calculator Target highest-interest debts first — mathematically optimal repayment.
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Pensions 1 tool
Pension Deferral Calculator Calculate the benefit of deferring your state or private pension for a higher income later.
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