All calculators

Your net salary after income tax, National Insurance, pension and student loan — England, Scotland, Wales & NI.

How much you could borrow based on income, deposit and outgoings — with a stress test.

Monthly payments, total interest and a full amortisation schedule — plus overpayment savings.

SDLT (England & NI), LBTT (Scotland) and LTT (Wales) — first-time buyer relief and surcharges.

Tax relief on contributions plus a projection of your pension pot and retirement income.

Compound interest with regular contributions, and ISA tax-free growth vs a taxable account.

Set a target — a holiday, a house deposit, an emergency fund — and see exactly what to save each month to get there.

Add or remove UK VAT at 20% or 5% — see the net, the VAT and the gross in one go.

See your Income Tax and National Insurance broken down band by band, for England, Scotland, Wales and Northern Ireland.

Convert a salary between annual, monthly, weekly, daily and hourly pay, see the net figure, and calculate pro-rata for part-time hours.

Work out Income Tax and Class 4 National Insurance on your sole-trader profit, plus voluntary Class 2 NI.

Work out the tax on your dividend income using the £500 Dividend Allowance and basic/higher/additional rates.

Estimate your Capital Gains Tax on property or other assets at the 18%/24% rates, after the £3,000 exempt amount.

Estimate IHT due on an estate — nil-rate band, residence nil-rate band, transferable allowances and charity relief.

See your annual and monthly Council Tax from your band (A-H) and your council's Band D amount.

Work out your Child Benefit and any High Income Child Benefit Charge if the higher earner earns over £60,000.

Work out how much SSP you're owed — after the 3 waiting days, up to the 28-week maximum, at the 2025/26 rate.

See your SMP over the full 39 paid weeks — 90% of average weekly earnings, then the standard rate.

Work out your statutory redundancy payment from your age, years of service and weekly pay.

See your hourly, weekly, monthly and annual gross pay at the correct NLW/NMW rate for your age.

Monthly repayments, total interest and total cost on a fixed-rate personal loan.

See how a lump sum and monthly contributions grow over time — final balance, total contributions and interest earned.

How long it takes to clear a credit card balance and the interest cost — minimum payments vs a fixed monthly amount.

Compare the debt snowball and avalanche strategies across up to 6 debts — months to debt-free and interest saved.

Your weekly, monthly and annual pay including overtime at 1.25x, 1.5x or 2x.

What an amount of money from one year is worth in another, using UK CPI.

Total assets minus total liabilities — cash, property, investments and pension vs mortgage, loans and debts.

Split your monthly income into needs, wants and savings and compare it to the 50/30/20 rule.

See how much a 0% balance transfer card saves vs staying put, and the monthly payment you need to clear it before the deal ends.

Work out if settling your loan early beats running to term once the Early Repayment Charge is included — or how much extra payments save.

What your overdraft actually costs at 39.9% EAR — monthly and annual — versus a low-rate loan or 0% money-transfer card.

Your real monthly Buy Now Pay Later commitment across every active plan, plus what a missed payment costs.

Compare your current debts' monthly payment and total interest against a consolidation loan — with an honest warning if a lower monthly payment means paying more overall.

See your per-card and overall credit utilisation, banding guidance, and exactly how much to pay down to reach 25%.

Work out your equity position on a PCP or HP agreement, and when Voluntary Termination becomes available under the Consumer Credit Act.

Compare interest-only against repayment — monthly payment, total interest, and the balance still owed at the end of the term.

See what dropping to fewer hours or a 4-day week really does to your take-home pay — because progressive tax means it costs less than it looks.

Decode your PAYE tax code, see your implied Personal Allowance, and spot red flags like BR/D0/D1 on your only job.

Should you buy back missing National Insurance years? See the cost, extra State Pension for life, and the break-even point.

See the real net cost of salary sacrifice into your pension vs a standard personal contribution — tax, employee NI and employer NI.

Work out tax on side-hustle income using the £1,000 trading allowance and your marginal tax rate — plus whether you need to file.

Your monthly and annual student loan repayment, years to clear vs write-off, and an honest verdict on whether overpaying is worth it — Plan 1, 2, 4, 5 and Postgraduate.

Your real childcare cost after Tax-Free Childcare's 20% top-up and free hours — plus a £100,000 income-cliff warning.

The means-tested Maintenance Loan your child at university actually gets, and the parental contribution gap it implies.

Compare the same monthly amount in a pension (grossed up, 25% tax-free lump sum) against an ISA — including employer match.

Work out the real net saving (or cost) of a work-from-home day — commute, lunch and coffee saved vs extra heating and electricity — plus HMRC's £6/week relief.

Work out your TRUE hourly rate after unpaid overtime, commute and work costs (salary) or unbillable time, holidays and costs (freelance) — not just the headline figure.

Work out whether your pay rise is a genuine real-terms gain or a hidden pay cut once CPI inflation is accounted for, plus the net monthly gain in your pocket.

See your Personal Allowance taper, the £100k-£125,140 60% marginal-rate trap, the childcare cliff-edge, and the pension contribution that can escape it.

Work out your tax-free lodger income under the £7,500 Rent-a-Room Scheme, compare relief vs the normal expenses method, and see the Council Tax impact.

What your daily bought-coffee habit really costs a year — plus what home-brewing or investing the saving could be worth.

What any recurring habit really costs — weekly, annually and over 10 years — and what investing the saving instead could grow to.

What smoking really costs you a year and over a lifetime — plus what quitting and investing the money instead could be worth.

Compare what you spend on smoking against switching to vaping and see your annual saving, plus what investing it could grow to.

Compare the annual cost of a bought lunch, a supermarket meal deal and a packed lunch — see how much switching could save you a year.

Work out what ordering takeaway costs you a year vs cooking at home, how much you pay in delivery fees, and whether a subscription is worth it.

Work out what drinking at the pub or at home costs you a year, your rough weekly units against the NHS guideline, and the saving from cutting back.

Work out how much playing Lotto or EuroMillions costs over the years, the jackpot odds, and an illustrative long-run expected return.

List your subscriptions, mark which to cancel, and see the real monthly and annual total — plus an invested-instead projection.

See what bottled water really costs a year vs tap water or a filter jug, and the invested-instead saving.

See what saving a daily amount could grow into over 10, 20, 30 or 40 years if invested.

Work out your real cost per gym visit and compare it against pay-as-you-go and budget gym pricing.

Is a Costco membership worth it just for cheaper fuel? Gross saving, detour cost, net saving and break-even.

Is driving to a cheaper petrol station actually worth it once the detour's fuel cost is included?

Does a Costco (or similar) membership fee pay for itself through cheaper bulk shopping and any fuel add-on?

What Tesco Clubcard, Nectar or Boots points are really worth in cash, at base and boosted rates.

See what a cashback credit card is really worth after fees — plus why it only pays off if you clear the balance in full.

Compare a small pack against a bulk pack and see the real annual saving — including a waste warning for perishables.

Compare 2-4 products by price per 100g, per 100ml or per item and find the genuinely cheapest option.

Divide an item's price by how many times you'll wear it to see its real value — plus wears needed to hit a target.

How to save for a house deposit — time to target, the Lifetime ISA boost, and how much saving a bit more each month could save you.

Your Lifetime ISA bonus, projected pot, and the real cash cost of an early withdrawal penalty.

The real interest a regular saver earns you over 12 months — not the misleading headline-rate figure.

Your emergency fund target from real essential outgoings, the gap to your savings, and how long it takes to build.

Expected and median annual Premium Bonds winnings, your odds of winning anything this month, and a tax-aware comparison against a savings account.

See what the savings loyalty penalty is costing you, and what switching to a best-buy rate is worth this year and over 5 years.

Check whether your savings across UK banks stay within the £85,000 FSCS protection limit, with a suggested split plan for any amount at risk.

See your maximum borrowing, maximum property price, deposit %, LTV band and an indicative monthly repayment for a first-time buyer mortgage.

Compare the running cost of an oven, air fryer, microwave and slow cooker — cost per use and per year — and see which is cheapest for how you cook.

Compare the cost of a bath against a shower — energy plus metered water — and see the break-even shower time and eco-head saving.

What your tumble dryer really costs a year by type, what line-drying instead would save, and the heat-pump dryer upgrade payback.

See how much switching to LED bulbs saves a year, the payback period in months, and the saving over 10 years.

What switching your washing machine from 40°C to 30°C saves a year — plus dropping one wash a week on top.

What your TV, games console and other "vampire" devices cost left on standby, plus smart plug payback.

What turning your thermostat down by 0.5-2°C saves on heating a year, with an 18°C health guide.

Compare what heating your household's hot water costs on a gas boiler, electric immersion or heat pump.

Check whether your gas & electricity Direct Debit is fair, based on your usage, rates and current balance.

Compare a fixed energy deal against your variable tariff, with your own price-cap assumption and the break-even point.

Compare your unmetered water bill against an estimated metered bill and see if switching would save you money.

Compare loft, cavity wall, draught-proofing and a smart thermostat by payback period, and total a combined package.

Compare an annual, monthly and weekly rail season ticket against paying for daily returns, with a break-even point for your commute pattern.

Compare car, train, bus and cycling commute costs side by side, with the annual saving of switching modes, invested.

Work out your effective bike price under a Cycle to Work salary sacrifice scheme, including the tax + NI saving and end-of-scheme ownership fee.

See the annual saving from swapping short car trips for walking or cycling, plus a calorie bonus and invested-instead projection.

Compare a specialist travel card, an online bureau, a high-street bank and the airport bureau for the same holiday money.

Compare a fee-free specialist card, a typical debit card and a typical credit card for your trip spend and ATM withdrawals.

Compare on-airport parking, off-site park & ride, a return taxi and the train or coach for your trip — see the cheapest way to the airport.

See how much sharing your commute could save you a year in fuel and parking, plus a 5-year invested projection.

Compare a single-rate electricity tariff against an EV off-peak tariff for home charging, plus an honest comparison against petrol.

See whether switching to a SIM-only mobile deal would save you money — keep your phone or buy a new one — and spot the out-of-contract trap.

Work out whether to repair or replace a washing machine, TV, phone or boiler — with a break-even repair price tailored to its remaining life.

See what food waste really costs your household a week and a year, and what halving it could be worth invested.

See how much rounding up your card payments to the nearest pound could save you a month and a year, invested over 5-10 years.

See the annual saving from swapping branded medicines and supermarket staples for generic and own-brand equivalents — same active ingredient, lower price.

Compare the true cost per year of a 2, 3 or 4-year phone upgrade cycle, including a battery-replacement allowance, and see what stretching the cycle could save.

See the annual running-cost saving, simple payback period and an honest replace-now-or-run-it-till-it-dies verdict for a more efficient appliance.

Total upfront cash needed to buy a home — deposit, Stamp Duty and every one-off fee, added up.

Estimate the cost of a house extension — build cost per m², architect, structural and statutory fees.

Estimate the cost of a new fitted kitchen — units, worktop, appliances and fitting, budget to premium.

Estimate a rooflight, dormer, hip-to-gable or mansard loft conversion by floor area and finish quality.

Estimate a new bathroom or renovation by finish tier, room size and tiling area, with a full breakdown.

Estimate converting an integral, attached or detached garage by floor area and finish quality.

Estimate solar PV installation cost, annual saving and payback period — with or without a battery.

Estimate carpet, underlay, gripper and fitting cost from your room size — budget, mid-range or premium.

Compare supply-and-fit cost for laminate, LVT, engineered wood, solid wood and tile flooring.

Estimate paint needed and decorating costs for a room — DIY paint-only vs professional decorator totals.

Estimate driveway costs by area and material — gravel, tarmac, block paving, resin-bound or concrete.

Estimate floor or wall tiling costs — tiles, adhesive, grout, wastage and labour — from your area and tile price.

Work out the gross and net rental yield on a buy-to-let property from the price, monthly rent, running costs and void weeks.

Estimate monthly cash flow, annual profit after tax and return on investment for an interest-only buy-to-let mortgage, including Section 24.

Estimate the cost of a new combi, system or regular boiler — unit, power flush and installation labour, by house size and brand tier.

Estimate a uPVC, brick or hardwood timber porch by floor area, with base, door and electrics add-ons and a typical price range.

Estimate a lean-to, Victorian, Edwardian or orangery conservatory by floor area, with dwarf wall and electrics/heating add-ons.

Estimate skim, plasterboard + skim, or render costs by area and surface, with a minimum-charge floor and a typical price range.

Estimate a softwood, hardwood or composite deck by area, with balustrade and groundwork add-ons and a typical price range.

Estimate the cost of a new garden fence — panel, feather-edge or closeboard — including gravel boards and gates.

Estimate the cost of a new lawn — turf, topsoil, ground preparation and delivery — by area or dimensions.

Work out how much concrete you need for a slab or footing — volume in m³, 25kg bags, and an indicative ready-mix cost.

Estimate the bricks, mortar and total material cost for a wall — single or double skin — from its length and height.

Work out how many rolls of wallpaper you need for a room, allowing for openings and pattern repeat, plus total cost.

Estimate air source heat pump install cost after the BUS grant, and annual running cost vs a gas boiler.

Removals, packing, cleaning, mail redirection and storage — add up the real cost of moving, and compare DIY van hire against a full-service removal firm.

The total cash you need to move into a rental — deposit (capped by law), first month's rent and moving costs — plus banned letting fees.

The classic MoneySavingExpert-style check — estimate your 1991 valuation and see whether your Council Tax band looks right, before you challenge it.

Monthly repayments, total interest and total cost on a fixed-rate car loan.

Monthly payment and total cost on a Hire Purchase deal — own the car at the end.

Monthly payment on a PCP deal, plus the total cost to keep the car vs hand it back.

Total cost of a Personal Contract Hire lease — upfront rental, monthly rentals and admin fee.

Work out your petrol or diesel cost per journey, per mile and per year from your distance, mpg and fuel price.

Work out your EV charging cost per full charge, per journey and per mile — home vs public rapid rates.

Calculate fuel economy from a fill-up, or convert between mpg and litres per 100km — plus cost per mile.

Work out your HMRC AMAP business mileage claim — car, motorcycle or bicycle — plus any Mileage Allowance Relief shortfall.

Work out your Vehicle Excise Duty by CO2 emissions and list price — first-year rate, standard rate and the expensive-car supplement.

Estimate your company car Benefit-in-Kind (BIK) percentage and income tax from the P11D value, CO2 emissions and fuel type.

Estimate your speeding fine band, penalty points and disqualification risk using UK Sentencing Council guidelines.

Total cost of owning a car — fuel, insurance, VED, servicing and depreciation — plus cost per year and per mile.

Estimate your car's current value, total depreciation and a year-by-year value table using an editable rate.

A rough indicative annual premium range from age, insurance group, region, mileage and no-claims discount — not a quote.

Work out your Body Mass Index and healthy weight range from your height and weight — metric or imperial, NHS categories.

Your daily maintenance calories (TDEE) plus weight-loss and weight-gain targets, based on activity level.

Your Basal Metabolic Rate — the calories you burn at complete rest — using the Mifflin-St Jeor equation.

A healthy weight range for your height using the Devine, Robinson and Miller formulas plus the NHS BMI range.

Estimate your due date, gestational age and trimester from your last period, conception date or IVF transfer date.

Find the best time to go to bed or wake up, based on 90-minute sleep cycles.

Your daily protein target in grams by goal — maintain, active, build muscle or cut — plus an example day of meals.

How much water to drink each day based on your bodyweight and exercise, in litres and 250ml glasses.

Your estimated maximum heart rate and five training zones in bpm — from warm-up to maximum effort.

Estimate your cardiorespiratory fitness from your resting heart rate or a Cooper 12-minute run test.

Estimate your body fat percentage, fat mass and lean mass using the US Navy circumference method.

Estimate your one-rep max from a lighter set using the Epley and Brzycki formulas, plus a full %1RM training table.

Work out how much life insurance cover you need — income replacement, mortgage, debts and children's future costs, minus existing cover and savings.

Recommended monthly income protection benefit and a suggested deferred period, based on your income, outgoings, sick pay and savings.

Recommended critical illness lump sum to clear debts and fund your recovery, based on your mortgage, outgoings and recovery period.

Work out a recommended buildings rebuild sum and contents sum insured from your home's size, type and bedrooms — a cover guide, not a premium.

A rough indicative monthly premium for your dog or cat from species, age, size, cover level and area risk — not a quote.

A rough indicative premium for your trip from destination, trip length, traveller ages and cover level — not a quote.

Work out what an appliance costs to run per day, week, month and year from its power draw and unit rate.

Estimate your annual and monthly gas and electricity bill from usage, unit rates and standing charges.

Work out the total cost of a broadband contract — monthly price, setup fee and any mid-contract price rise.

Your exact age in years, months and days, total time lived, day of the week born, and days until your next birthday.

Days, weeks and months between two dates, with a full years/months/days breakdown and an option to include the end day.

Business days between two dates, Monday to Friday, with an option to exclude UK bank holidays.

Days, weeks and hours until a future date — or how long ago it was — plus working days until.

Work out X% of Y, what percent one number is of another, percentage change, or increase/decrease a number by a percentage.

Work out the tip on a bill and split the total fairly between everyone at the table.

Split a journey's petrol or diesel cost fairly between everyone in the car.

Weekly timesheet hours and pay from your start/end times and hourly rate.

Convert length, weight, volume, temperature, area and speed between metric and imperial units instantly.

Find the ideal TV size for your viewing distance, or the best viewing distance for your TV — 4K and 1080p.

Work out pixels-per-inch, dot pitch and total pixel count from a screen's resolution and diagonal size.

Compare two job offers side by side — bonus, overtime, employer pension and commute costs, on both gross and net pay.

Compare the annual and 5-year cost of driving vs public transport — fuel, insurance, VED, servicing and depreciation vs your season ticket and taxis.

Compare an electric car against a petrol or diesel car — running cost per year, total cost of ownership and the break-even mileage.

Compare Personal Contract Purchase, Hire Purchase and Personal Contract Hire (leasing) for one car — monthly payment, total cost and ownership outcome.

Compare the net cost of renting to buying a home over your chosen number of years — Stamp Duty, mortgage interest, maintenance and house price growth vs rent and the return on your unspent deposit.

Compare tax-free ISA growth to a taxable savings account for the same deposit, monthly contribution and rate — see the tax paid above the Personal Savings Allowance.

Compare putting a fixed monthly amount toward mortgage overpayments against investing it instead — interest saved vs projected investment growth, with a risk caveat.

Compare buying a car outright (or on finance) against Personal Contract Hire leasing — total cost over N years, and which one is cheaper.

Compare a fixed-rate mortgage deal against a tracker-rate deal, with an assumed base-rate change — monthly payment, total interest and which is cheaper.

Compare 2 or more mortgage offers by rate, fees and cashback over your chosen comparison period — see the true cost of each deal and which one wins.

Estimate CMS child maintenance, divorce court fees and typical costs, and how assets are usually split.

Work out part-time annual leave entitlement in days or hours from your full-time allowance, checked against the UK statutory minimum.

Find your estimated UK State Pension age from your date of birth, then project your pension pot and sustainable retirement income.

An indicative total, annual and monthly cost of raising a child to age 18 — adjustable by lifestyle and childcare choices.

See how your remaining years break down hour by hour — sleep, work, screen time and more — and how many are still free.

Split a UK wedding budget across venue, catering, drinks, photography and every other typical category — by total budget or guest count.

What attending a wedding really costs you as a guest — travel, accommodation, outfit and gift — plus your full wedding-season total.

Total up gifts, food, decorations, travel and nights out, then see the monthly saving needed to cover Christmas.

The full lifetime cost of a dog, cat or rabbit — food, insurance, vet care and one-off costs — plus the monthly equivalent.

What a baby's first year really costs — the pram, cot, car seat, nappies, feeding and childcare — plus the monthly average.

Compare student income — maintenance loan, family help and job earnings — against typical weekly outgoings to see your real surplus or shortfall.

Build a full holiday budget from flights, accommodation and daily spending, plus a monthly savings target before you go.