Financial calculators

UK personal finance flowchart →

The eight-step order for spare money, run against your numbers: which step you are on, and what your next spare £100 should do.

Mortgage overpayment →

How much interest you save, and how many years you cut off, by paying a bit extra each month.

Mortgage affordability →

The monthly payment on a mortgage, or what a monthly budget can actually borrow.

Solar panel payback →

How long domestic solar takes to pay for itself in bill savings and export income, then what it returns after that.

Stamp duty →

The stamp duty on a purchase anywhere in the UK, including the extra a second home or buy-to-let costs in England, Scotland and Wales.

Capital gains tax on property →

The tax on selling a second home or a buy-to-let, how much private residence relief covers, and the 60-day deadline to report it.

Buy-to-let: personal vs company →

Yield and net income after tax on a rental held personally versus through a company, plus how much of the return is really capital growth.

Loan repayment →

The monthly payment and total interest on a personal loan or car finance.

Debt payoff →

How long a credit-card balance takes to clear at a payment you choose, and what the interest costs.

Savings goal →

What you need to put away each month to hit a deposit, a wedding, or a rainy-day fund.

Compound interest →

What a starting amount plus a monthly contribution grows into over time, with the growth shown separately.

Pension pot →

Project your pension to retirement from your contributions, your employer’s, and a growth rate.

Student budget →

Whether a maintenance loan actually lasts the term, month by month across the academic year, and when it runs out if it does not.

Inflation →

What money will be worth in future: the future cost of today’s spending, and today’s value of a future sum.