Money tools

Free calculators for the decisions that come up every month, and the bigger ones that come up once or twice. Each one shows its working and the source of every rate.

Budgeting

Know where your money goes before it’s gone.

Monthly budget plannerSee where your pay goes, what’s left, and how you compare with the 50/30/20 rule of thumb.
Cost-of-living helpOfficial, free support with bills, benefits and money worries.

Saving

Turn “I should save more” into a number and a date.

Savings goal calculatorHow long until you reach a target, with or without interest.
Emergency fund calculatorA cushion sized to your own essential costs, and how long it takes to build.

Housing

The real costs of renting, saving a deposit and buying.

Stamp Duty calculatorSDLT, LBTT and LTT on buying a home anywhere in the UK, band by band.
Deposit savings plannerYour deposit from the price, how long it takes to save, and 5% to 25% compared.

Pensions

What you’re building now, and what it could pay later.

Pension contribution calculatorWhat paying in really costs after tax relief, National Insurance and your employer, with a growth projection.
Check your State Pension forecastThe official GOV.UK service, using your own National Insurance record.

Pay and tax

Your take-home pay is where every budget starts. For in-depth PAYE guides, see our sister site PayClear.

Salary calculatorTake-home pay after Income Tax, National Insurance, pension and student loan.
Self-employedIncome Tax and National Insurance on your profit.
Limited companySalary and dividends for contractors.
Umbrella companyTake-home pay after the umbrella margin and employer costs.
Salary sacrificeThe tax and National Insurance saved by sacrificing into a pension.