Loans, mortgages, compound interest, savings goals, retirement, and more — fast, mobile-friendly tools to make smart money decisions.
Estimate the monthly payment, total interest and total cost of a personal loan. Enter the amount you want to borrow, the interest rate (APR) and the term in years.
Estimate your monthly mortgage payment based on property price, deposit, interest rate and term. Useful for both first-time buyers and remortgaging.
Project how much an investment or savings pot will be worth after years of monthly contributions and compounding returns.
Tell us your goal, how long you have and the return you expect — we'll tell you how much to set aside each month.
Simple interest is calculated only on the original principal — useful for short-term loans, bonds and back-of-envelope estimates.
Calculate the monthly cost and total cost of a car loan, including any deposit or trade-in value.
Estimate how big your pension pot will be at retirement and how much sustainable monthly income it could produce.
Enter your current balance, APR and monthly payment to see how long it will take to clear and how much interest you'll pay along the way.
Work out your UK income tax and National Insurance for the 2025/26 tax year. Covers personal allowance taper, basic, higher and additional rates.
See exactly what lands in your bank account each month after income tax, National Insurance, pension and student loan deductions.
Compound interest is the engine behind long-term investing. Here's the formula, a worked example, and the easiest way to do it.
Most UK lenders cap mortgages at 4.5× your income — but your real budget depends on deposit, debts and stress-tested rates.
Two strategies, two very different psychologies. Here's the maths and the mindset behind each.
A £50,000 salary sits right at the top of the basic-rate band. Here's exactly what you keep after tax and NI in 2025/26.
£100,000 is one of the most punitive marginal tax rates in the UK because earning more makes you lose your personal allowance.
Headline rates rarely tell the full story. Here's what actually matters when picking a UK savings account in 2025.
Buying your first home in 2025? Here's the realistic deposit, what schemes still exist, and the costs nobody warns you about.
The average UK first-time buyer deposit is £53,000. Here's a realistic plan to get there in 3–5 years.
A pension beats an ISA on tax — but only if you can wait until 57. Here's how to decide between them.
UK mortgage rates have settled around 4–5%. Here's how to decide between fix lengths and when a tracker beats a fix.
0% balance transfer cards look free — but the transfer fee, end of the 0% period and credit score impact change the maths.
The PLSA says a comfortable single retirement costs £43,100/yr. Here's the pension pot that produces that.
Salary sacrifice can turn £100 of take-home into £140+ in your pension. Here's exactly how the maths works.