Free Tools

Tools & Calculators

Free, interactive tools to help you understand your money. No sign-up required — just open and use.

All Tools

5 live · 6 coming soon

See exactly what you earn after income tax, National Insurance, and student loan. 2025/26 rates, all plans supported.

See how your money grows over time with our interactive compound interest calculator.

Estimate monthly repayments, total interest paid, and see the impact of overpayments.

See how long your loan lasts, total repaid, and whether it'll be written off — for Plans 1, 2, 4 and 5.

Enter your take-home pay and split it using the 50/30/20 rule. Adjust categories and percentages to fit your life.

Coming soon

Build a monthly budget, track spending categories, and find where your money is going.

Coming soon

Set a savings target, pick a date, and see exactly how much you need to put away each month.

Coming soon

Track your annual ISA allowance usage across Cash ISAs and Stocks & Shares ISAs.

Coming soon

Enter your income and instantly see how to split it across needs, wants, and savings.

Coming soon

Find out how much emergency fund you need and how long it will take you to build it.

Coming soon

Compare different investment strategies and visualise projected returns over time.