Free money tools

What your salary actually pays after tax, NI, pension and student loan.

What comes out of your payslip on every plan, and when the loan is written off.

What you keep of a bonus after tax, NI and student loan, including the 60% trap.

What giving up salary for pension really costs your take-home, with the NI bonus.

Income tax, Class 4 NI and payments on account from your trading profit.

Salary plus dividends: what a limited company director actually keeps.

CGT on shares or property, with the £3,000 allowance and band-by-band rates.

What your tax code means, and whether HMRC is taking too much from your pay.

Your month-by-month income through parental leave, SMP and employer top-ups included.

Your statutory entitlement, the tax-free £30,000, and what the package pays after tax.

What a raise is really worth each month after tax, and the traps that shrink it.

Your target buffer in pounds, and how long it will take to build.

Turn an amount and a date into the monthly number that gets you there.

What your match is worth, and what raising contributions costs you in real take-home.

What your idle cash earns now vs a competitive rate, in pounds per year.

What investing monthly grows into over 10, 20, 30 years.

How long your pot lasts at a given income, with growth and inflation built in.

What money from any year is worth today, using official UK inflation data.

Everything you own minus everything you owe, broken down and easy to track.

Whether buying missing National Insurance years pays for itself, and how fast.

What the 25% bonus is worth by your buying date, and the real cost of withdrawing early.

What an extra monthly payment does to your term and total interest.

SDLT band by band: first-time buyer, moving home or additional property.

What you could borrow and the price range to shop in, stress test included.

Year by year, which builds more wealth: renting and investing, or buying.

Your monthly payment, total interest, and the year-by-year balance on any mortgage.

Whether switching deals saves money after the arrangement fee and any exit charge.

Avalanche vs snowball: when you will be clear, and the interest you save.

Split your take-home into needs, wants and savings with the 50/30/20 rule.

Add up your subscriptions, see the yearly total, and find the ones you forgot.

What happens if you cannot work, and the cheapest ways to cover the gap.

Free hours and Tax-Free Childcare: your real monthly nursery bill in England.

Monthly cost and total interest on a personal loan, and what overpaying saves.

How long minimum payments really take to clear a card, and the fix that saves years.

How much cover your family would actually need, built from your debts and income.

PCP, HP or a loan: the true total cost of each way to pay for the same car.