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Free UK Finance Calculators & Tools

Plan your mortgage, savings, salary and more with practical calculators. Free to use, with instant results.

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Featured calculators

Four useful places to start planning your finances.

Mortgage CalculatorEstimate monthly repayments, total interest and loan-to-value.Try calculator Income Tax CalculatorEstimate income tax, National Insurance and take-home pay.Try calculator Savings CalculatorSee how regular saving and interest build a balance over time.Try calculator Budget PlannerPlan monthly income and spending with a visual breakdown.Try calculator

CHOOSE YOUR GOAL

What would you like to work out?

Not sure which calculator you need? Start with your financial goal.

EXPLORE ALL TOOLS

All finance calculators

Find the right calculator for your next money decision.

23 tools

Mortgages & PropertyMortgage CalculatorEstimate monthly repayments, total interest and loan-to-value.Open calculator Mortgages & PropertyMortgage Overpayment CalculatorSee how overpayments may reduce mortgage interest and term.Open calculator Mortgages & PropertyStamp Duty CalculatorWork out estimated stamp duty with a full band breakdown.Open calculator Tax & SalaryIncome Tax CalculatorEstimate income tax, National Insurance and take-home pay.Open calculator Savings & ISAsSavings CalculatorSee how regular saving and interest build a balance over time.Open calculator Savings & ISAsCompound Interest CalculatorModel compounding at different frequencies with a growth chart.Open calculator Budgeting & DebtLoan Repayment CalculatorCalculate monthly loan payments and total interest paid.Open calculator Savings & ISAsISA CalculatorProject illustrative ISA growth within the annual allowance.Open calculator Pensions & InvestingPension CalculatorProject a pension pot from your own and employer contributions.Open calculator Budgeting & DebtBudget PlannerPlan monthly income and spending with a visual breakdown.Open calculator Savings & ISAsEmergency Fund CalculatorFind your emergency fund target and how much is still needed.Open calculator Mortgages & PropertyMortgage Affordability CalculatorEstimate a sensible borrowing range from household income.Open calculator Mortgages & PropertyHouse Deposit CalculatorSet a home deposit target and estimate how long saving may take.Open calculator Budgeting & DebtCredit Card Repayment CalculatorEstimate how long a credit-card balance may take to clear.Open calculator Savings & ISAsSavings Goal CalculatorWork out the monthly amount needed to reach a savings goal.Open calculator Pensions & InvestingInflation Impact CalculatorSee how inflation may change the future buying power of money.Open calculator Pensions & InvestingInvestment Fee CalculatorSee how platform and fund charges may affect long-term returns.Open calculator Budgeting & DebtDebt Repayment CalculatorEstimate repayment time and interest from your debt balance, average rate and monthly budget.Open calculator Tax & SalarySalary Take-Home Comparison CalculatorCompare estimated take-home pay for two annual salaries in England, Wales or Northern Ireland.Open calculator Mortgages & PropertyRent vs Buy CalculatorCompare illustrative renting and buying costs over a chosen time period.Open calculator Tax & SalaryStudent Loan Repayment CalculatorEstimate UK student loan deductions using your selected repayment plan.Open calculator Budgeting & DebtCredit Card Balance Transfer CalculatorCompare balance-transfer fees against estimated credit card interest savings.Open calculator Pensions & InvestingRetirement Income Drawdown CalculatorEstimate how long a pension pot may last under illustrative withdrawals and growth assumptions.Open calculator

HELP & GUIDANCE

Frequently asked questions

Everything you need to know before using our free UK finance calculators.

Free to useNo account required

Easy to customiseExplore your own scenarios

Clear assumptionsEstimates, not advice

Are these finance calculators free to use?

Yes. All calculators listed here are free to use, with no account or subscription required.

How accurate are the calculator results?

Results are illustrative estimates based on your inputs and each calculator's assumptions. Actual rates, charges, tax liabilities and eligibility may differ. Check details with your provider or the relevant official guidance before making decisions.

Do I need to enter personal details?

You can use the calculators without signing up. Avoid entering names, account numbers or other identifying details into calculation fields.

Which tax rules and rates do the calculators use?

Tax, stamp duty, pension and ISA rules can change. Check the assumptions shown in each calculator and confirm current requirements with GOV.UK or MoneyHelper.

Can I use these tools on my phone?

Yes. The calculator directory is designed to work on desktop, tablet and mobile screens.

These tools provide estimates for information and planning, not personalised financial advice. Always check current UK rules, rates and terms before acting.