Free UK financial calculators

Make sense of your money.

Clear calculators for pay, pensions, mortgages and everyday finance. Explore the numbers, understand the assumptions and make a better-informed next move.

Browse all calculators Explore popular tools

Popular tools

Start with the question on your mind.

View All

Pay

UK Take-Home Pay

Estimate pay after Income Tax, National Insurance, pension and student-loan deductions.

Open calculator Mortgages

Mortgage Repayments

Explore monthly repayments, total interest and the balance remaining over time.

Open calculator Mortgages

Mortgage Borrowing Estimate

Build an illustrative borrowing range from income, deposit and affordability.

Open calculator Pensions

Pension Pot Projection

Project contributions, employer payments, charges and investment growth.

Open calculator Finance

Compound Interest

See how a starting balance and regular contributions could grow over time.

Open calculator Pensions

Salary Sacrifice

Compare estimated pay and pension funding before and after salary sacrifice.

Open calculator

Calculator library

Choose an area to explore.

Everyday finance

Tools for saving, borrowing, investment growth and common money questions.

Explore finance calculators

Mortgages

Explore affordability, repayments, overpayments, remortgaging and buying a home.

Explore mortgage calculators

Pensions

Understand contribution tax relief, salary sacrifice and long-term pension growth.

Explore pension calculators

Pay and tax

Estimate take-home pay and explore contractor and off-payroll working scenarios.

Explore tax calculators

More than a headline number

See what changes the answer.

Adjust the figures and compare different scenarios to understand what has the biggest effect. Each calculator explains the important assumptions behind its result and what may not be included.

Results are illustrations—not financial, tax, mortgage or investment advice. Check important decisions against current official information and the terms offered by the relevant provider.

How Every Money Tool works Sources and methodology

Helpful guides

Understand the calculation, not just the answer.

View all guides

How UK take-home pay is calculated

Income Tax, National Insurance, pensions and student loans in plain English.

Read the guide

How mortgage repayments work

How the amount borrowed, interest rate and term shape your mortgage.

Read the guide

Pension growth explained

How contributions, investment returns, fees and inflation affect a projection.

Read the guide