Money tools
Free calculators for everyday UK money questions, from your mortgage to your monthly card budget. They run entirely in your browser, so nothing you type is stored or sent anywhere.
Overpay your mortgage or save?
Compare the interest you'd save by overpaying with what the same money would earn in savings.
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Credit card daily spend calculator
Turn a card budget into a daily allowance that adjusts as you spend more or less.
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Loan and car finance calculator
Monthly repayments, total interest and total cost for a loan, hire purchase or PCP deal.
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VAT calculator
Add VAT to a net price or take it off a gross price, at 20%, 5%, 0% or any rate.
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Discount calculator
Type a price and the % off to see the sale price and saving instantly. Handles stacked discounts and 3 for 2 deals.
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Take-home pay calculator
See your pay after Income Tax, National Insurance, pension and student loan for 2026/27, including Scottish tax.
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Cashback and referral offers
Sign-up bonuses from services I use, starting with Quidco cashback. Uses referral links.
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About these calculators
Each calculator uses UK terms and pounds, and explains how it works underneath the results, so you can see exactly where the numbers come from. Change the inputs as often as you like to compare different situations.
Results are estimates for illustration only and aren't financial advice. Check the details with your lender or card provider before you make a decision.