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Income & Tax Take-Home Pay / Salary Calculator Exact net pay after income tax, NI, pension and student loan. Updated for 2025/26.

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Income & Tax Stamp Duty Calculator SDLT on any UK property, including first-time buyer and second-home rates.

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Savings & Interest Compound Interest Calculator See how your savings grow over time at different interest rates.

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Savings & Interest Savings Goal Calculator How long to reach a target, or what monthly saving you need.

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Savings & Interest ISA Calculator Model ISA growth using your annual allowance across stocks, cash or LISA.

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Investments FIRE Calculator Your financial independence number and the exact year you could stop working.

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Investments Retirement Drawdown Simulator Stress-test your pension pot against every historical market scenario.

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Investments Investment Returns Simulator Historical rolling returns for equities, bonds and mixed portfolios.

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Investments Personal Investment Return (XIRR) Your true annualised return accounting for irregular cash flows.

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Mortgage Mortgage Repayment Calculator Monthly payments, total interest paid, and a full amortisation schedule.

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Mortgage Mortgage Overpayment Calculator How much interest and time you save by overpaying each month.

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Mortgage Invest or Overpay Calculator Compare the outcome of investing spare cash versus overpaying your mortgage.

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Debt Debt Snowball Calculator Pay smallest balances first — quick wins that build momentum.

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Debt Debt Avalanche Calculator Target highest-interest debts first — mathematically optimal repayment.

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Pensions Pension Deferral Calculator The benefit of delaying your state or private pension for a higher income.

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