Everyday money calculators
Clear debts in the cheapest order, see the real cost of car finance, and watch your savings grow — with dates, charts and plans you can download.
Debt payoff planner
Your debt-free date and the interest each strategy costs, month by month.
Open calculator →Car finance
Monthly payments and the total cost of PCP, hire purchase and a personal loan.
Open calculator →Savings & compound interest
Grow a lump sum and regular saving, compare ISA vs taxable, and hit a target date.
Open calculator →Pension pot
Project your pension pot with tax relief, employer match, growth and fees, then the income it could pay.
Open calculator →Budget planner
Split your real take-home pay into needs, wants and savings with the 50/30/20 rule or your own split.
Open calculator →Get out of debt faster
The debt payoff planner takes up to ten credit cards and loans, applies each one's minimum payment rule, and shows your debt-free date under the avalanche (highest rate first) and snowball (smallest balance first) methods. It flags budgets that can't keep up with the interest — and points you to free, regulated debt advice if that's the case.
Finance a car with your eyes open
PCP's low monthly payments hide a large balloon at the end. The car finance calculator puts PCP, hire purchase and a personal loan side by side on monthly cost, total payable and cost of credit — plus what it costs if you hand the car back.
Grow your savings
The savings calculator shows how a lump sum and regular saving grow with compound interest, compares a tax-free ISA with a taxed account, and works backwards from a goal to the monthly amount you need. It also warns you if you'd exceed the £20,000 ISA allowance — and about the £12,000 cash ISA limit coming for under-65s in April 2027.
Plan every month
The budget planner starts from your real take-home pay and splits it into needs, wants and savings with the 50/30/20 rule, a 60/20/20 split or your own percentages. List your bills and spending, see which group is over its target, and download the plan as a spreadsheet.
Save for retirement
The pension calculator projects your workplace and personal pension pot with tax relief, employer matching, investment growth and charges. It shows the 25% tax-free lump sum, a drawdown income in today's money and the State Pension alongside it, and what your contributions really cost after tax relief.
How these calculators fit together
Debt, car finance and savings compete for the same monthly budget. Start with your real monthly take-home pay from the take-home pay calculator, decide what you can put towards debts, and plan the order with the debt payoff planner. Once a debt is cleared, move the same payment into savings, so your budget doesn’t quietly absorb it. Every result can be saved on your device, exported to a spreadsheet or shared with a private link.
Guides
Debt Avalanche vs Snowball: Which Pays Off Debt Faster?
How the avalanche and snowball debt repayment methods work, which costs less interest, which is easier to stick to, and how to build a payoff plan in the UK.
Read guide →ISA Allowance 2026/27 and the £12,000 Cash ISA Limit from April 2027
How much you can save in ISAs in 2026/27, the types of ISA, the £12,000 cash ISA cap for under-65s from April 2027, and ISAs vs the savings allowance.
Read guide →PCP vs HP: Which Car Finance Is Cheaper?
PCP and hire purchase compared: how balloon payments work, total cost, flexibility, mileage limits, ownership and when a personal loan beats both.
Read guide →