Simple, accurate calculators built for UK users. No sign-up, no ads, no upselling — just the numbers you need to make better financial decisions.
Everything you need to understand and plan your finances — from first home to retirement.
More tools are in development — bookmark this page to be the first to use them.
Built with one goal: give you the clearest possible picture of your money.
Every tool works instantly in your browser. No email address, no password, no personal data stored anywhere.
All calculators use GBP, UK tax rules, UK state pension figures, and UK-relevant financial benchmarks. Not adapted from US tools.
Every calculator lets you export your figures as CSV, PDF, or PNG — so you can save, share, or use them in your own planning documents.
Most people have a rough sense of their income and their biggest expenses — but very few have a clear picture of where they actually stand. A mortgage calculation done in your head is rarely accurate. A retirement projection without compound interest modelled in is almost certainly too optimistic. And a budget that doesn't account for annual expenses, not just monthly ones, will always feel like it's leaking.
The tools on MoneyTools exist to close that gap. They're designed to be fast to use, honest in their outputs, and clear enough that you don't need a financial background to understand the results.
If you're new to financial planning, the best place to start is the Budget Planner. Understanding your monthly cash flow — what comes in, what goes out, and what's left — is the foundation everything else builds on. From there, the Net Worth Tracker gives you a snapshot of your overall financial health.
Albert Einstein reportedly called compound interest the eighth wonder of the world. Whether or not he actually said it, the maths is hard to argue with. Money invested early and left to grow has a fundamentally different trajectory than money invested later — even if the total amount contributed is the same.
Our Compound Interest Calculator makes this visible. Try comparing a £10,000 lump sum invested today versus the same amount invested in five years' time. The gap over 30 years is often striking enough to change behaviour.
For most UK households, a mortgage is the largest financial commitment they'll ever make. Our Mortgage Calculator shows you not just the monthly payment, but the total interest paid over the full term — a figure that often surprises people. Combined with the Savings Goal Calculator, you can work backwards from a target deposit to a monthly saving figure.