Income & Tax2 tools
Take-Home Pay / Salary CalculatorExact net pay after income tax, NI, pension and student loan. Updated for 2025/26.
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Stamp Duty CalculatorSDLT on any UK property purchase, including first-time buyer and second-home rates.
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Savings & Interest3 tools
Compound Interest CalculatorSee how your savings grow over time at different interest rates and contribution levels.
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Savings Goal CalculatorHow long to reach a savings target, or what monthly contribution you need.
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ISA CalculatorModel ISA growth using your annual allowance across stocks, cash or LISA variants.
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Investments4 tools
FIRE CalculatorYour financial independence number and the exact year you could stop working.
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Retirement Drawdown SimulatorStress-test your pension pot against every historical market scenario using real returns.
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Investment Returns SimulatorHistorical rolling returns for equities, bonds and mixed portfolios over any time period.
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Personal Investment Return (XIRR)Your true annualised return accounting for irregular deposits and withdrawals.
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Mortgage3 tools
Mortgage Repayment CalculatorMonthly payments, total interest paid, and a full amortisation schedule.
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Mortgage Overpayment CalculatorExactly how much interest and time you save by overpaying each month.
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Invest or Overpay CalculatorCompare the long-term outcome of investing spare cash versus overpaying your mortgage.
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Debt2 tools
Debt Snowball CalculatorPay smallest balances first — quick wins that build momentum to clear all debt.
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Debt Avalanche CalculatorTarget highest-interest debts first — the mathematically optimal repayment strategy.
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Pensions1 tool
Pension Deferral CalculatorThe financial benefit of delaying your state or private pension for a higher regular income.
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