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★ Favourites Salary Compound Interest Mortgage Repayment FIRE Calculator Pension Drawdown ISA Calculator Savings Goal Stamp Duty
Income & Tax2
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 including first-time buyer and second-home rates.
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Savings & Interest3
Compound Interest CalculatorSee how savings grow over time at different interest rates and contribution levels.
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Savings Goal CalculatorHow long to reach a target, or what monthly saving you need.
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ISA CalculatorModel ISA growth using your annual allowance across stocks, cash or LISA.
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Investments4
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.
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Investment Returns SimulatorHistorical rolling returns for equities, bonds and mixed portfolios.
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Personal Investment Return (XIRR)Your true annualised return accounting for irregular cash flows.
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Mortgage3
Mortgage Repayment CalculatorMonthly payments, total interest paid, and full amortisation schedule.
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Mortgage Overpayment CalculatorHow much interest and time you save by overpaying each month.
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Invest or Overpay CalculatorCompare the outcome of investing spare cash versus overpaying your mortgage.
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Debt2
Debt Snowball CalculatorPay smallest balances first — quick wins that build momentum.
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Debt Avalanche CalculatorTarget highest-interest debts first — mathematically optimal repayment.
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Pensions1
Pension Deferral CalculatorThe benefit of delaying your state or private pension for a higher income later.
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