Money Considered makes financial literacy practical

The decisions that shape our financial lives often arrive before we feel equipped to make them: how much to save, whether to repay debt or invest, what a purchase truly costs, whether buying a home makes financial sense, and how today’s choices may compound over decades.

For too many people, financial education begins with a major decision—or an expensive mistake.

The gap starts early. Research by the Money and Pensions Service found that only 47% of children aged 7–17 had received a meaningful financial education at home or at school. Just 33% recalled learning about money at school in a way they found useful.

The effects continue into adulthood. The FCA’s 2024 Financial Lives survey found that 36% of UK adults had low knowledge of financial matters, while 22% lacked confidence managing their money. Around 6.5 million adults rated both their financial knowledge and confidence as very low.

These figures represent millions of people making consequential decisions without the grounding they deserve.

Money Considered creates clear, rigorous calculators and educational material that help people understand financial choices before committing to them. Each tool brings together the relevant costs, assumptions, trade-offs and uncertainties, then shows how they affect the result.

The aim is deeper understanding, not simply another number on a screen. A useful calculator should leave someone better able to think about the decision itself: which factors matter, which assumptions are uncertain and what could change the outcome.

The project is designed for people who want to make considered decisions without needing a background in finance. The calculators you see are the foundation of a broader collection that will grow as each new method is researched, tested and documented.

Money Considered is an independent pro-bono project. It is free to use, requires no account and is free from advertising, affiliate links, product commissions and paid placements.

Calculator inputs stay on the user’s device and are not used for analytics or marketing. The formulas, assumptions, sources and limitations behind each calculator are published, and material corrections are recorded.