Free money calculators for the UK
Free calculators for loans, savings, property and tax. They show their working, use official figures, and your numbers never leave your browser.
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Debt & Loans
- 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.
Mortgage & Housing
- Mortgage Affordability Calculator: How Much Can I Borrow Enter your income, deposit and the income multiple a lender uses to see what you might borrow, the repayment, and its share of your take-home pay if rates rise.
- Amortisation Schedule Calculator Enter the amount borrowed, the interest rate, the term and the month of your first repayment to see how each payment splits between capital and interest, and what you still owe.
- Rent vs Buy Calculator Enter a property price, your mortgage and the rent on a similar home to see whether buying, or renting and investing the difference, leaves you better off after the years you choose.
- Stamp Duty Calculator: SDLT, LBTT and LTT Enter the price, where the property is and what kind of buyer you are to see the tax due, band by band, using this tax year's official rates.
Savings & Investing
- Savings Goal Calculator Set a target, a deadline and your savings rate to see the monthly amount you need to put aside, and how much of the goal interest will cover.
- Emergency Fund Calculator Enter your essential monthly outgoings and how many months you want to cover to see your emergency savings target, what is left to save and how long it will take.
- Compound Interest Calculator Enter a starting amount, a monthly payment, a rate and a time frame to see your final balance and how much of it is interest rather than money you paid in.
- Inflation Calculator: Future Cost and Buying Power Choose whether you want a future price or the future buying power of your money, then enter an amount, a yearly inflation rate and a number of years.
- ROI Calculator: Total and Annualised Return Enter what you invested, what it is worth now, any costs and how long you held it to see your gain or loss, your total return and your annualised return.
- Investment Fees Calculator Enter what you invest, a return before charges and two yearly charge levels to see how far apart the balances end up, and what each costs you in lost growth.
- Junior ISA Calculator: What Your Child Could Have at 18 Enter your child's age, what you save each month and any gifts from family to see what a Junior ISA could hold at 18, and what that is worth in today's money.
- ISA Allowance Calculator 2026/27 Add up what you have paid into each type of ISA since 6 April to see how much allowance is left, and how much a month would use it before the tax year ends.
Retirement
- Pension Calculator Enter your age, pension pot, salary and contribution rates to see what your pension could be worth when you retire, in future pounds and in today's money.
- Pension Drawdown Calculator: How Long Your Pot Lasts Enter your pot, the yearly income you want and your other income, such as the State Pension, to see the tax on each withdrawal and roughly when the money runs out.
- State Pension Calculator Enter the qualifying years on your National Insurance record and the years you expect to add to estimate your new State Pension a week, every 4 weeks and a year.
- Workplace Pension Contribution Calculator Enter your salary and contribution rates to see how much goes into your workplace pension each month, what it really costs you after tax relief, and any employer money you are missing.
- FIRE Calculator: Your Financial Independence Number Enter what you expect to spend each year, a withdrawal rate, what you have invested and what you add each year to see your FIRE number and roughly when you could reach it.
- ISA vs Pension Calculator Put the same amount from your take-home pay into an ISA and a pension, and see which leaves you with more after tax relief now and income tax later.
Income & Tax
- Take-Home Pay Calculator 2026/27 Enter your salary, where you live, your pension and any student loan to see what reaches your bank account each month and each year in the 2026/27 tax year.
- Capital Gains Tax Calculator 2026/27 Enter your gains, any losses and your income to see how much Capital Gains Tax you owe for the 2026/27 tax year, and how much of your gain is taxed at 18% or 24%.
Everyday Budgeting
- Net Worth Calculator List what you own and what you owe to see your net worth today, a single figure you can check each year to see whether your finances are moving in the right direction.
- 50/30/20 Budget Calculator Enter your monthly take-home pay to see how the 50/30/20 rule divides it between needs, wants, and savings and extra debt repayments, then check what you spend now against it.