Personal Finance Calculators
Models UK pensions, mortgages, tax, and income scenarios. Explore free tax-efficient strategies with year-by-year projections. Sign-up for personalisation, comparison and tailored plan tools.
For general information only. Not financial advice.
Explore calculators & guides by topic
Choose your area of focus to access relevant calculators, optimization tools, and educational guides
Retirement Planning
Calculate pension goals, model savings strategies, and plan your retirement with confidence
- •Quick retirement calculator (25× rule)
- •Comprehensive retirement goal planner
- •Pension growth & tax relief modelling
- •Retirement drawdown planner
- •Retirement savings modeller (Pension vs ISA vs GIA)
- •Pension NI 2029 impact calculator
Property & Mortgages
Compare mortgage strategies, overpayment scenarios, and pension vs mortgage decisions
- •Mortgage payment calculator
- •Pension vs mortgage optimizer
- •Investment vs mortgage comparison
- •Overpayment strategy guides
Income & Tax
Calculate take-home pay, understand PAYE deductions, and manage your personal budget
- •PAYE take-home pay calculator
- •Hourly wage calculator
- •Personal budget planner
- •National Insurance breakdown
Contractors & Directors
Optimize salary, dividends, and pension contributions for tax-efficient income extraction
- •Company director income planner
- •Salary vs dividend optimization
- •Profit allocation strategies
- •Tax-efficient extraction guides
Why use our tools?
Free to use. Explore any scenario instantly
All calculators available without sign-up or payment
Educational, not advisory. Understand, don't guess
Learn the principles behind every calculation
Highlights key considerations
Taxes, contribution limits, and regulatory rules explained clearly
Save and compare scenarios over time
Track your progress and revisit your assumptions
Popular starting points
Not sure where to begin? These are the most popular calculators for quick estimates
Quick Retirement Calculator
Get your retirement savings target in 60 seconds using the 25× rule
Save & personalise your scenarios
Use all calculators for free — no sign-up required. Create a free account to save your scenarios, track progress, and revisit your assumptions over time.
Create Free AccountSaving data keeps your scenarios private and secure. The educational purpose of the tools remains unchanged.
Transparent & educational
We believe in clear assumptions, plain language, and empowering you to make informed financial decisions
Not financial advice
Our tools are educational and illustrative. They don't consider your personal circumstances or constitute regulated advice.
Clear assumptions
Every calculator shows the assumptions behind the numbers — inflation rates, tax rules, growth projections — so you understand the basis of each calculation.
No conflicts of interest
We don't sell financial products, earn commissions, or recommend specific providers. Our only goal is to help you understand your options.