MoneyTools is a free collection of financial calculators built specifically for UK users. No accounts, no subscriptions, no data collected. Every calculation happens in your browser — open a tool, enter your numbers, get your answer.
What MoneyTools is
MoneyTools is a suite of browser-based financial calculators covering the questions that come up most often in personal finance: how much will my mortgage cost me over the full term? Am I saving enough for retirement? How long will it take to pay off my debts? What does inflation actually do to my savings?
Every tool is free to use, requires no sign-up, and works entirely in your browser. Your inputs never leave your device. When you close the tab, they're gone.
Why it exists
Most UK personal finance calculators fall into one of two camps: basic tools that only answer one narrow question, or locked-down features inside financial products that exist to sell you something. MoneyTools exists in the middle — detailed, honest tools with no agenda.
The tools are designed for people who want to understand their own numbers, not be told what to do by an algorithm. You bring the inputs; the calculator brings the maths.
Built for the UK
All calculators are built from the ground up for UK users. That means:
- Pounds sterling throughout — no dollar conversions or vague "your local currency" placeholders
- UK tax rules — income tax, National Insurance, Scottish income tax rates, and the personal allowance
- UK mortgage conventions — standard repayment and interest-only structures, LTV ratios, and UK-typical rate benchmarks
- ISA allowances and rules — Cash ISAs, Stocks & Shares ISAs, and the Lifetime ISA with its 25% government bonus
- UK state pension — the new state pension figure used in retirement projections
- Stamp Duty Land Tax — the current SDLT bands, including first-time buyer relief and the additional property surcharge
These are not adapted versions of US tools. They are written specifically to reflect how money works in the UK.
The calculators
MoneyTools currently includes thirteen free calculators:
- Compound Interest
- ISA Calculator
- Help to Buy ISA
- Mortgage Calculator
- Mortgage Overpayment
- Stamp Duty
- Savings Goal
- Inflation Calculator
- Retirement Planner
- Debt Payoff Planner
- Investment Return
- Budget Planner
- Net Worth Tracker
- Salary Calculator
Privacy and data
MoneyTools collects no personal data. The numbers you enter into any calculator are never sent to a server, never stored in a database, and never shared with anyone. All calculations run locally in your browser using JavaScript.
We do not use advertising cookies, tracking pixels, or fingerprinting. We may use cookieless, privacy-respecting analytics to understand aggregate usage patterns (such as which tools are most popular), but this data is anonymous and is never tied to any individual. Full details are in our Privacy Policy.
Not financial advice
MoneyTools provides calculators and general financial information for educational and planning purposes only. Nothing on this site constitutes regulated financial advice or a personal recommendation. Figures produced by the calculators are estimates based on the inputs you provide and the assumptions built into the models — they should be used as a guide, not as the basis for major financial decisions without further research.
For advice specific to your circumstances, please consult a qualified financial adviser who is authorised and regulated by the Financial Conduct Authority (FCA). You can find an adviser at Unbiased or the MoneyHelper service. See our full Disclaimer for more.
Keeping the tools up to date
Tax thresholds, ISA allowances, National Insurance rates, and state pension amounts change each UK tax year. We aim to update all calculators promptly after each Autumn Statement and Spring Budget. If you spot a figure that looks out of date, please get in touch.
Contact
For questions, feedback, or to report an error in a calculator, please email: hello@ukmoneytools.uk