Free money calculators
Simple tools to help you work out what debts, loans, mortgages and savings really cost. Everything runs in your browser, so your numbers stay private.
Debt and credit
Plan repayments, compare options and see what borrowing really costs.
Debt Repayment Calculator
See how long it takes to clear your debts, and compare the avalanche and snowball methods.
Credit Card Repayment Calculator
How long to clear a card, what it costs, or the payment needed to finish by a set date.
Debt Consolidation Calculator
Compare your current debts with one consolidation loan, including fees.
IVA vs DMP Comparison Calculator
An illustrative side-by-side of IVA and DMP payments. Not an eligibility check or a recommendation.
Debt-to-Income Ratio Calculator
Your monthly debt payments as a percentage of your gross income.
Debt-Free Date Calculator
See the month you could be debt-free using the snowball or avalanche method.
Minimum Credit Card Payment Calculator
What paying only the minimum really costs, and how long it takes.
Loan Repayment Calculator
Monthly payment, total interest and a full repayment schedule for any loan.
Early Loan Settlement Calculator
Estimate the cost of settling a loan early and the interest you would save.
Overdraft Interest Calculator
How much an overdraft costs for a given amount, rate and number of days.
Balance Transfer Calculator
Is a balance transfer worth it? Compare the total cost, including the fee.
Income and household
Take-home pay, budgets and the cost of everyday life.
Monthly Budget Planner
Add your income and spending to see exactly what is left each month.
UK Take-Home Pay Calculator
Your salary after tax, National Insurance, pension and student loan, per year, month and week.
Cost of Living Calculator
Add up your monthly costs and see what is left from your income.
Emergency Fund Calculator
How much to save for emergencies and how long it will take.
IVA Budget Calculator
See what income could be left after living costs, and what an IVA term might cover.
Bankruptcy Budget Planner
Plan a budget for bankruptcy and see what income payments might look like.
Property and mortgages
Affordability, stamp duty, overpayments and rent versus buy.
Savings, pensions and investing
Grow your money and see how inflation and time change it.
This page provides general information only. It is not personalised financial, legal or tax advice, and rules and figures can change. Your situation is unique — please check official sources such as GOV.UK and MoneyHelper, and speak to a qualified, FCA-authorised adviser before making important decisions about your money.