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17 free tools. No account, no email — just answers.
Take-home pay calculatorTake-home pay calculator for 2026/27: work out your pay after income tax, National Insurance, pension and student loan. Free, no account needed.2 minmost usedMortgage affordability calculatorMortgage affordability calculator: see an illustrative range of how much you might borrow, based on your income and deposit. Free UK tool, no account needed.2 minStamp Duty calculatorStamp Duty calculator: estimate the SDLT on a property purchase in England or Northern Ireland, including first-time-buyer relief. Free, no account needed.1 minStudent loan repayment calculatorEstimate your UK student-loan repayments and interest over time, and when the balance might clear or be written off. Free calculator, no account needed.2 minCompound interest calculatorSee how a lump sum plus regular monthly savings could grow over time with compound interest. Free UK calculator with a chart, no account needed.1 minRent vs buy calculatorCompare the illustrative cost of renting versus buying a home over time, including deposit, interest, growth and fees. Free UK calculator, no account needed.3 minSalary sacrifice calculatorSee the illustrative income tax and National Insurance you could save by paying into a pension through salary sacrifice. Free UK calculator, no account needed.2 minCapital Gains Tax calculatorCapital Gains Tax calculator: estimate the CGT on selling shares, funds or property for 2026/27, using the annual exempt amount. Free, no account needed.2 minWorkplace pension employer match calculatorSee how much your employer adds to your workplace pension, and the employer match you could capture by contributing more. Free UK calculator, no account needed.2 minEmergency fund calculatorWork out how big an emergency fund you might aim for, based on your monthly essentials, using a three-to-six-month guide. Free UK calculator, no account needed.1 minDebt payoff calculatorSee how long it could take to clear your debts and the interest you might save by paying more each month. Free UK debt calculator, no account needed.2 minMortgage overpayment vs investing calculatorCompare overpaying your mortgage against investing the same money each month, on assumptions you set. Free UK what-if calculator, no account needed.2 minPension calculatorSee an illustrative picture of your pension pot at retirement, and the rough yearly income it could give, from what you have and add. Free, no account needed.2 minMaternity pay calculatorPicture your income across maternity or parental leave — statutory pay, any employer top-up and a partner's income, month by month. Free UK calculator.3 minReturn-to-work childcare calculatorSee the illustrative money side of going back to work after a baby — part-time take-home against childcare costs. Free UK calculator, no account needed.3 minSalary vs dividend calculatorCompare taking extra money from your company as salary versus as a dividend, side by side, for 2026/27. Free UK calculator for directors, no account needed.2 minPremium Bonds, honestlySee your Premium Bonds holding against typical luck and a top easy-access rate, with tax factored in honestly.1 minnew
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