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Finance tools

Financial Calculators

Plan pay, borrowing, repayments, savings and everyday money decisions with transparent formulas and clear assumptions.

20 calculators16 guides

Finance calculators are most useful when they make the assumptions easy to inspect. A salary, loan or mortgage result can change quickly once fees, timing, tax rules or repayment behaviour are included.

Start with the calculator that matches the decision in front of you, then compare a few realistic scenarios. Small changes to rates, pay, deposits or monthly contributions can have a meaningful effect over time.

20 calculators

Use these tools to compare salary, borrowing, savings, budgets and repayment scenarios before making money decisions.

FinanceTake Home PayEstimate annual, monthly and weekly take-home pay for the 2026 to 2027 UK tax year.FinanceMortgageEstimate monthly mortgage payments, total interest and loan-to-value from property price, deposit, rate and term.FinanceLoanCalculate monthly payments, total repayment and interest cost for a fixed-rate personal loan.FinanceCurrencyConvert an amount using a manual exchange rate and compare the effect of fees or card markups.FinanceCompound InterestProject savings growth with starting balance, regular deposits, annual rate and compounding frequency.FinanceVATAdd or remove VAT from a price and see the net, VAT and gross amounts.FinanceSavings GoalWork out the monthly saving needed to reach a goal by a target date, including starting balance, interest and payment timing.FinanceCard PayoffEstimate how long it could take to clear a credit card balance with a fixed monthly payment.FinanceDebt SnowballCompare a debt snowball payoff plan across three balances with an extra monthly payment.FinanceAPREstimate APR from amount borrowed, fees, monthly payment and loan term.FinanceInflationEstimate how inflation changes future cost and purchasing power using a chosen annual rate.FinanceRetirementProject retirement savings from current age, savings, monthly contributions and expected return.FinanceBudget PlannerSplit monthly income across bills, essentials, debt, saving and flexible spending.FinancePay RiseCalculate a gross pay increase from a percentage or fixed amount and compare annual, monthly and weekly change.FinanceHourly WageConvert hourly pay into weekly, monthly and annual gross earnings with overtime and working weeks.FinanceDebt-to-IncomeCalculate debt-to-income ratio from monthly income, housing payments, existing debts and a possible new payment.FinanceEmergency FundEstimate how much emergency cash to hold and how long it may take to reach your target.FinanceRent AffordabilityCompare rent, bills and take-home income to estimate a comfortable monthly housing share.FinanceNet WorthAdd assets and debts to estimate personal net worth and liquid asset coverage.FinanceMortgage AffordabilityEstimate a property budget from household income, deposit, monthly debts and an income multiple.

Guides

Useful reading for finance questions

Read the background, then move straight into the linked calculators when you need a result.