Free UK Financial Tools
Simple, accurate calculators and guides built for UK users.
Free UK financial calculators and plain-English guides covering income tax, mortgages, ISAs, pensions, stamp duty, capital gains, and more, updated for the 2026/27 tax year.
Calculate your net salary after income tax, NI, pension and student loan, by year, month, week or day.
Open calculatorCompare two salaries side-by-side: income tax, NI, pension, and take-home pay.
Open calculatorCalculate monthly repayments, total interest, and full amortisation schedule for any UK mortgage.
Open calculatorTrack your ISA allowance and project growth across Cash, Stocks & Shares, and Lifetime ISAs.
Open calculatorProject how your savings grow with compound interest over time.
Open calculatorProject your pension pot size and monthly retirement income.
Open calculatorYour £20,000 annual ISA allowance resets every April. Here's how to use it across Cash, Stocks & Shares, and Lifetime ISAs and why it matters.
How income tax works in the UK the personal allowance, basic and higher rate bands, National Insurance, and how to calculate what you actually owe.
Everything you need to know about buying your first home in the UK saving for a deposit, government schemes, stamp duty relief, mortgages, and what to expect on completion day.
A plain-English guide to UK mortgages: repayment vs interest-only, fixed vs variable rates, how much you can borrow, the application process, and all the costs to expect.
Eight HMRC-approved strategies to legally reduce your UK tax bill in 2026/27 — from salary sacrifice and ISAs to the £100k trap, marriage allowance, and Gift Aid.
UK Money Tools
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 fails to account for annual expenses (not just monthly ones) will always feel like it is leaking.
The tools on UK Money Tools 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.
Most payslips are harder to read than they should be. Income tax, National Insurance, student loan deductions, and pension contributions all interact in ways that aren't obvious from the headline salary figure. Whether you're comparing two job offers, considering a salary sacrifice arrangement, or simply checking your payslip adds up, knowing your real take-home is the starting point for any financial plan.
For most UK households, a mortgage is the largest financial commitment they will ever make. Monthly repayment figures are easy to focus on, but the total interest paid over a full term (often two to three times the original loan) is the number that really matters. Stamp duty adds another layer that catches many first-time buyers off guard, particularly as thresholds shift.
Our Mortgage Calculator shows not just the monthly payment but the full cost of borrowing. Combined with the Stamp Duty Calculator, you can see the complete upfront cost before you make any commitments.
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. The difference only becomes clear when you see it modelled over time. Our Compound Interest Calculator makes that comparison concrete: try a £10,000 lump sum invested today versus the same amount in five years. The gap at 30 years is usually striking enough to change behaviour.
The ISA Calculator helps you make the most of your £20,000 annual allowance and keep those returns sheltered from tax, the most straightforward way to protect investment growth in the UK.
Most people underestimate how much they need in retirement, and overestimate what their pension will actually be worth. The gap only becomes clear when you model contributions, employer matching, and growth together over decades. Starting earlier matters more than contributing more later. The Pension Calculator makes that trade-off concrete.
If your employer offers salary sacrifice, the Salary Sacrifice Calculator shows how redirecting gross pay into your pension reduces your income tax and National Insurance bill at the same time, making it one of the most tax-efficient ways to save available to UK employees.