Free tools
Calculators & planners
Free, no sign-up UK money tools. Get an instant estimate, then read the plain-English guide alongside each one.
Income tax & take-home paySee your net pay after tax, National Insurance and pension, with bonus.House valueEstimate what your home is worth today from your postcode and what you paid.Mortgage repaymentWork out monthly payments for any loan amount, rate and term.Mortgage overpaymentSee the interest saved and years knocked off by overpaying.Mortgage affordabilityEstimate how much you could borrow based on your income.Salary to buy a houseFind the income you'd need to buy a home at any price.Stamp duty (SDLT)Instant stamp duty for England & NI, including first-time buyers.Inflation calculatorSee what money from any year is worth today, using ONS data.Pension potProject what your pension could be worth at retirement.Workplace pensionSee your and your employer's monthly contributions.Savings goalPlan how regular saving grows towards a target.Compound interestSee how savings and investments snowball over time.Credit card payoffSee how long to clear a card and what the interest costs.Budget plannerMap your income and outgoings to take control of your money.Equity releaseSee roughly how much you could release from your home.House viewing checklistFree printable checklist for first and second viewings, with the questions to ask.
Banking & payments
IBAN calculatorBuild your UK IBAN from your bank, sort code and account number.SWIFT / BIC finderGet your UK bank's SWIFT/BIC code for receiving money from abroad.Payment clearing timesSee when a Faster Payment, BACS, CHAPS or cheque actually lands.Building society roll numberFind your roll number and exactly how to pay into any building society.Are banks open today?A live calendar of UK bank working days and bank holidays.DWP payment timingsSee when benefit payments typically land at your bank overnight.
Money, tax & benefits
Car finance (PCP vs HP)Compare PCP and HP monthly payments side by side, including the balloon.Student loan repaymentsSee what you repay each month from your salary and plan.Council tax by bandEnter your Band D charge and see what every band A–H pays.Tax code decoderType your tax code to see your tax-free pay and what it means.Universal Credit taperSee how earning more affects your Universal Credit award.Premium BondsSee what your bonds might win on average at the current prize rate.
Data & rankings
House prices by areaAverage prices, 1-year and 5-year change for 300+ UK areas.1991 value & Council Tax bandEstimate your home's 1991 value and the Council Tax band it points to.House price the year you were bornThe average UK home then vs now, honestly adjusted for inflation.Pay vs house pricesSee how much harder it is to buy a home now than years ago.Deposit in working hoursHow many working hours (and Smiths songs) a deposit really costs.UK interest ratesThe Bank of England base rate, its history and what it means.