UK Financial Calculators
That Actually Help

See your exact take-home pay after income tax, National Insurance and pension deductions.

Work out your monthly repayments and total interest on any mortgage amount.

Calculate your tax and National Insurance if you're self-employed or freelancing.

See how big your retirement pot will be and what monthly income it can sustain.

See how much your tax-free Cash ISA savings will grow over time with compound interest.

Compare the real monthly cost of living in 12 UK university cities side by side: rent, food, transport and more.

Enter your module grades and credits to find out if you're on track for a First, 2:1, 2:2 or Third.

Will your maintenance loan last the term? Plan your student budget and see exactly where the money goes.

Confused by your first payslip? We decode every deduction (tax, NI, pension, student loan) in plain English.

Find out exactly how much of your pay rise you actually keep after income tax, National Insurance and student loan.

Factor in commute time, unpaid overtime and work expenses to find out what you really earn per hour.

Can you afford that flat? Check if the rent fits your take-home pay and see exactly what you'll have left to live on.

See where your salary sits against UK national averages by age, region and sector, based on ONS 2024 data.

Enter any price (rent, car, phone, holiday) and your salary. Get an instant verdict on whether it's a smart financial decision.

Will your maintenance loan actually cover your living costs? Find out exactly how many weeks before your money runs out, by city.

How much money will you actually have left after rent, bills and tax? See your exact disposable income weekly, monthly and yearly.

Find out exactly what percentage of your income goes to rent, and whether you're paying a fair amount or being squeezed dry.

Got a pay rise but still feel broke? See exactly where every extra pound has gone since your last salary increase.

Will your money last until payday? Find out exactly how many days before you run out, and what to do if you won't make it.

The honest cost of moving out: deposit, first month, bills setup, furniture and a 3-month buffer. Find out exactly when you can afford to leave.

Brutal-honesty spending analyzer. See your biggest waste category, the percentage of income each bill eats, and what to cut first.

See exactly when you'll clear your debt, how much interest you're wasting on minimums, and whether snowball or avalanche saves more.

When can you actually afford a deposit? City-by-city targets, realistic vs aggressive plans, and the LISA boost factored in.

How much will HMRC really take from your Vinted, Uber or Etsy income? Plain English, no jargon, with threshold warnings.

Three honest scenarios: high street, typical lender and broker-stretched. Includes monthly repayment, stress test and the costs everyone forgets.