Free UK money calculators - no signup needed
22 tools for the question in front of you. No account, no email, no results held back until you sign up. Every one uses the 2026/27 tax year’s rules.
Most used this month
Where most people start.
Mortgages
6 toolsPayments, overpayments and what your loan really costs.
Mortgage repaymentSee exactly what your monthly payment is and where it goes.Mortgage overpaymentFind out exactly what a monthly overpayment saves you in interest and time.Mortgage affordabilitySee a realistic borrowing estimate based on your income and deposit.RemortgageWork out whether switching deals actually pays off once fees are counted.Interest-only vs repaymentSee the real cost difference between paying off the loan and paying only the interest.Stamp dutySee exactly what you'll owe, wherever you're buying and however you're buying it.
Savings & investing
4 toolsWatch compounding do the heavy lifting.
Compound interestSee what your money grows to when the interest starts earning interest.Savings goalSee how long your goal will take, or what monthly saving gets you there sooner.ISASee how much a tax-free ISA could be worth by the time you need it.Regular investingSee what consistent monthly investing could realistically add up to.
Pensions & retirement
6 toolsWill the pot be enough - and how long will it last?
Pension potSee what your pension could be worth by the time you plan to retire.Pension drawdownSee how long your pot could support the income you want to take from it.FIRE (financial independence)See roughly how much you'd need, and when you could get there.Drawdown plannerSee how long your money could last and explore the most tax-efficient way to draw income from your pension, ISAs and investments.How much to retire?Start from the retirement you want, and see the monthly investing that actually gets you there.Coast FIREFind the point where compounding takes over and saving becomes optional.
Household
6 toolsNet worth, inflation and your safety net.
Net worthSee where you actually stand once everything you own and owe is added up.InflationSee what inflation is really doing to the value of your money.Emergency fundSee how big a safety net you need, and how long it'll take to build one.Debt payoffAdd your real debts, one by one, and see which payoff order clears them cheapest.Credit card interestFind out what the minimum payment really costs you, in years and in pounds.Wealth percentileFind out how your household really compares - against people your age, not a national average.
A calculator answers one question at a time.
The planner keeps all of them next to each other, so an overpayment you model today still shows up in the pension picture in twenty years.
