About Bureau of Wealth
Free money calculators that show their working, and plain-English guides to go with them. No sign-up, no paywall, and the numbers you type never leave your browser.
- £0Every calculator and guide is free to use
- 0Sign-ups, email gates or phone numbers asked for
- 100%Of calculations run on your own device
- 2Editions, built separately for the UK and the US
Why Bureau of Wealth exists
Most money decisions come down to a calculation: how much you can borrow for a mortgage, how long a debt will take to clear, whether your pension is on track. Too many online calculators hide that calculation. Some ask for your email or phone number before showing a result, some exist mainly to pass your details to a broker, and many never say which rules or rates they used.
Bureau of Wealth takes the opposite approach. Every calculator gives you the answer straight away, explains how it got there, and says what it does not account for. The guides alongside them cover the everyday side of money: saving, spending, earning a little more and running a household budget.
Built on figures from institutions millions of people rely on
A calculator is only as good as the rules inside it. The tax bands, allowances, pension rules and inflation figures behind Bureau of Wealth come from the public bodies that set and publish them, the same sources that tens of millions of people in the UK rely on for their tax, pensions and student loans.
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.
Three principles
Private by design
Calculators run in your browser. What you type and the results you see are never sent to us. We only count which calculator was used, with nothing that identifies you.
Free, with nothing gated
No accounts, no trials and no results held back until you hand over contact details. The site is funded by advertising, never by selling your information.
Shows its working
Every calculator page explains the method in words, lists its assumptions and links to the official source for any rate, allowance or rule it uses.
How we keep the calculators accurate
Official sources. Every rate, allowance and rule comes from the public institutions on our sources page, such as HMRC and the Office for National Statistics, and each calculator links to the exact publication its figures came from. We do not use figures from lenders, brokers or other calculator sites.
Rules dated and updated. Anything that changes with the tax year is stored with the year it applies to, and the calculator shows which tax year it is using. Where rules differ across England, Scotland, Wales and Northern Ireland, such as income tax bands and property taxes, the calculator lets you choose. Figures are updated when new rules are published, and a calculator whose figures have expired is taken down until it is corrected.
Checked against worked examples. Before a calculator is published, its results are checked against worked examples from official publications or independent spreadsheet calculations, and those checks are rerun whenever the calculator changes.
Honest about limits. A calculator is a model, not a forecast. Each page says what the calculator simplifies. The State Pension estimate, for example, is clearly labelled as an estimate rather than a statement of what you will receive; your official forecast is on GOV.UK.
Corrections. If you find a result that looks wrong, tell us. We check every report, fix confirmed errors and update the page.
Built for the UK, not adapted to it
The UK and US editions are written separately. Where money works differently in each country, such as mortgages, pensions, tax and student loans, each edition has its own calculator built on its own country's rules, not an American calculator with the pound sign swapped in.
Who is behind it
The Bureau of Wealth team writes and edits every guide and every calculator explanation. The site is published by D2r Internet Holdings, LLC, an independent UK company. The site does not publish guest posts, sponsored articles or content bought from content farms. If a piece is ever contributed by someone else, it carries their name.
Editorial standards
Every guide is written to answer one clear question with specifics you can check: real numbers, named institutions and primary sources. Claims about rates, rules or products link to the organisation that publishes them. Pages show the date they were published and are updated when the facts change.
AI assistance disclosure
Drafts of guides and calculator explanations may be produced with the help of AI writing tools. Every draft is then edited, fact-checked and rewritten where needed by the Bureau of Wealth team before it is published. Nothing goes live unread. The calculators themselves are written and tested as software; their results are not generated by AI.
How the site is funded
Bureau of Wealth is paid for by advertising. Advertisers have no say over what a calculator shows or what a guide says, and no company can pay to change a result. The site does not use affiliate links. If that ever changes, the affected pages will say so clearly at the top.
Not financial advice
Everything here is general information for a broad audience. It is not personal financial, tax, legal or investment advice, and it cannot take your full circumstances into account. For a decision that matters, check the current terms with the provider and consider speaking to a qualified adviser authorised by the Financial Conduct Authority.