UK money calculators
Work out the number,
then understand it.
Mortgages, budgets, debt and savings, calculated in your browser. Every tool shows the formula it used, the assumptions it made and where it stops being reliable.
- Free, no account
- Nothing you type is sent anywhere
- Workings shown on every page
The calculators
Tools covering the money questions that come up when you are buying, borrowing, budgeting or saving.
Property and borrowing
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Mortgage repayment
Monthly payment, total interest and a full amortisation schedule.
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Mortgage affordability
An indicative borrowing range based on income and commitments.
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Compare two mortgage deals
Which offer is genuinely cheaper once the product fee is counted, not just the headline rate.
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Mortgage overpayment
What paying extra saves you in interest, and how much sooner you finish.
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Interest-only mortgage
Monthly cost and the capital still owed at the end of the term.
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True cost of buying
Every cash cost of buying a home, not just the deposit.
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Rent vs buy
Whether renting or buying leaves you better off over time.
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Stamp duty and buying costs
Dated rates by jurisdiction, plus the other costs of moving.
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Loan repayment
Payment, total interest and the effect of arrangement fees.
Day to day and long term
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Energy tariff comparison
Two deals compared properly, including standing charges, Economy 7 and exit fees.
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Monthly budget
Where the money goes, and whether the month ends up or down.
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Debt repayment
Several debts at once, with an order to clear them in.
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Savings goal
What you need to put aside each month to reach a target.
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Inflation and purchasing power
What your money will really be worth over time.
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Compound interest
How contributions and interest build over time.
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Salary and take-home pay
Estimated pay after deductions, with the tax year stated.
How these tools behave
Your figures stay on your device
Calculations run in your browser. Nothing you enter is stored, sent to us or passed to any analytics tool.
The workings are on the page
Each calculator publishes its formula, a worked example and the assumptions behind the result, so you can check it.
Estimates, not offers
These tools produce estimates for planning. They are not quotes, recommendations or personalised financial advice.
Dated assumptions
Anything that changes with the tax year or the market carries a visible date, so you know how current it is.