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