Handy Money Tools
Every money calculator in one place
22 free UK tools for tax, mortgages, loans, savings and everyday maths — no signup.
Income & tax
Take-home pay, PAYE, National Insurance, student loans and bonuses.
Take-home pay
Estimate your UK take-home pay after income tax, National Insurance, student loan and pension contributions.
Open calculatorSalary after tax
Convert a gross UK salary into estimated net pay after tax and National Insurance.
Open calculatorHourly to salary
Convert an hourly wage into weekly, monthly and annual salary, plus estimated take-home pay.
Open calculatorStudent loan
Estimate UK student loan repayments for Plan 1, 2, 4, 5 and postgraduate loans.
Open calculatorPay rise
See how much of a pay rise you keep after UK tax and National Insurance.
Open calculatorBonus tax
Estimate how much tax and NI you pay on a UK work bonus.
Open calculatorBudgeting
Plan spending, track net worth and keep household money on track.
Savings & investing
Compound interest, savings goals and the impact of inflation.
Compound interest
Project how savings grow with compound interest and regular monthly contributions.
Open calculatorSavings goal
Work out how long it takes to reach a savings target with regular deposits.
Open calculatorInflation
See how inflation erodes purchasing power — or what today’s money may cost in future.
Open calculatorDebt & loans
Loan repayments, credit cards and debt payoff plans.
Loan repayment
Work out monthly payments, total interest and cost of a personal loan.
Open calculatorDebt payoff
Find out how long it takes to clear a debt with a fixed monthly payment.
Open calculatorCredit card payoff
Compare minimum payments vs a fixed payment to clear a UK credit card.
Open calculatorMortgages & property
Mortgage repayments and Stamp Duty Land Tax estimates.
Bills & subscriptions
See what recurring costs really add up to over a year.
Everyday maths
Percentages, VAT, tips, discounts and currency conversion.
VAT
Add or remove UK VAT at the standard, reduced or zero rate.
Open calculatorPercentage
Calculate percentages, percentage change, and increase or decrease an amount.
Open calculatorTip
Split a bill and tip fairly between any number of people.
Open calculatorDiscount
Work out sale prices and how much you save from a percentage discount.
Open calculatorCurrency
Convert between major currencies with approximate mid-market rates.
Open calculatorBuilt for search — and for accuracy
Each calculator targets its own phrases, shows official rate dates, and reuses shared form, results and FAQ templates so we can add solid tools quickly without thin duplicate pages.