15 free UK financial tools · no ads · no sign-up
Test 25 of 25
★ Favourites Salary Calculator Compound Interest Mortgage Repayment FIRE Calculator Pension Drawdown ISA Calculator Savings Goal Stamp Duty
Income & Tax 2 calculators
Take-Home Pay / Salary Calculator Exact net pay after income tax, NI, pension and student loan deductions. Updated for 2025/26.
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 Stamp Duty Calculator SDLT on any UK property purchase, including first-time buyer and second-home rates.
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Savings & Interest 3 calculators
Compound Interest Calculator See how your savings compound over time across different rates and contribution levels.
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 Savings Goal Calculator How long to reach any savings target, or what monthly amount you need to contribute.
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 ISA Calculator Model ISA growth using your annual tax-free allowance across stocks, cash and LISA variants.
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Investments 4 calculators
FIRE Calculator Your financial independence number and the exact year you could stop working — with different savings rate scenarios.
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 Retirement Drawdown Simulator Stress-test your pension pot against every historical market sequence. Understand your real survival probability.
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 Investment Returns Simulator Historical rolling returns for equities, bonds and mixed portfolios over any time period you choose.
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 Personal Investment Return (XIRR) Your true annualised return accounting for irregular deposits and withdrawals over any period.
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Mortgage 3 calculators
Mortgage Repayment Calculator Monthly payments, total interest paid over the full term, and a complete amortisation schedule.
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 Mortgage Overpayment Calculator Exactly how much interest you save and how many years you knock off by overpaying each month.
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 Invest or Overpay Calculator Model the long-term outcome of investing spare cash versus reducing your outstanding mortgage balance.
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Debt 2 calculators
Debt Snowball Calculator Pay smallest balances first for quick psychological wins and momentum — mapped out month by month.
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 Debt Avalanche Calculator Target highest-interest debts first — the mathematically optimal strategy to minimise total interest paid.
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Pensions 1 calculator
Pension Deferral Calculator The financial benefit of delaying your state or private pension in exchange for a higher regular income later.
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