Free money tools
Every tool is free, needs no sign-up, and runs entirely in your browser. Not sure where to start? Take the Money Health Check and it will point you at the right one.
Take-home pay calculator
→What your salary actually pays after tax, NI, pension and student loan.
Emergency fund calculator
→Your target buffer in pounds, and how long it will take to build.
Debt payoff planner
→Avalanche vs snowball: when you will be clear, and the interest you save.
Mortgage overpayment calculator
→What an extra monthly payment does to your term and total interest.
Savings goal planner
SoonTurn an amount and a date into the monthly number that gets you there.
Pension contribution checker
SoonWhat your match is worth, and what raising contributions costs you in real take-home.
ISA and savings rate checker
SoonWhat your idle cash earns now vs a competitive rate, in pounds per year.
Compound interest calculator
→What investing monthly grows into over 10, 20, 30 years.
Budget breakdown
SoonA ten-minute picture of where last month's money actually went.
Subscription audit checklist
SoonFind the recurring payments you forgot you were making.
Income protection guide
SoonWhat happens if you cannot work, and the cheapest ways to cover the gap.