Saving and Budgeting
Emergency Savings: How Much and Where to Keep It
Three to six months of essential outgoings is the usual aim. Where you hold it matters more than most guides admit, especially from April 2027.
Bureau of Wealth
Free money calculators that show their working, with plainly written guides on saving, spending, earning a little more and running a household budget. No sign-up, no hype, and your numbers never leave your browser.
Calculators
All calculators- Loan Repayment Calculator Enter the amount, APR and term to see your monthly repayment, the total interest you will pay, and how much sooner overpayments clear the loan.
- Debt Repayment Calculator: Avalanche or Snowball Enter each debt's balance, APR and minimum payment, set the total you can repay each month, and see your debt-free date, the order your debts clear and what you save over paying only the minimums.
- Credit Card Repayment Calculator Enter your card balance and APR, then choose a fixed monthly payment, a number of months to clear it in, or the minimum only, to see how long it takes and how much interest you pay.
- Debt-to-Income Ratio Calculator Enter your gross monthly income, your rent or mortgage payment and your other monthly repayments to see your debt-to-income ratio and the share of income your housing takes on its own.
- Car Finance Calculator Enter the car price, your deposit, any part-exchange, fees, APR and term to see how much you borrow, your monthly repayment and what the car costs you in total.
- Student Loan Repayment Calculator: Plans 1, 2, 4 and 5 Enter your plan, balance and salary to see what you repay each month, how interest builds, and whether the loan is likely to be repaid in full or written off.
Built on figures from institutions millions of people rely on
The rules, rates and limits behind our calculators and guides come from HM Revenue & Customs, Department for Work and Pensions, The Pensions Regulator and 6 other public bodies. Every page links to the publication it uses.
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Topics
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Saving and Budgeting
Building a buffer, tracking spending and making a budget you will actually keep.
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Smart Spending
Getting more from every purchase, from groceries to subscriptions to big-ticket buys.
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Earning More
Side income, pay rises and small ventures that add up without eating your evenings.
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Money at Home
Bills, energy, insurance and the household admin that quietly decides your monthly number.