Invest26
Gilt Ladder Builder
How could a direct-gilt ladder fund future cash dates?
Match future cash dates with direct gilts and inspect after-tax cash flows, concentration and duration.
Calculator collection
UK Financial Calculators
Choose a question, enter your figures and see how the assumptions shape the result. Every calculator has a published methodology.
Optional foundation
Reuse a few figures without creating an account.
Your Money Profile is stored only in this browser. Each compatible calculator asks before copying anything.
Invest
Model compound growth, investment fees, direct-gilt cash flows and the assumptions behind long-term projections.
Open Gilt Ladder Builder calculator
Grow09
Compound Interest
How could your money compound over time?
See how an initial amount, monthly contributions, return and inflation could shape long-term wealth.
Plan05
Investment Growth
What might your investments be worth?
Compare three investment paths, nominal and real wealth, fees, tax drag, a market fall and progress towards a target.
Compare12
Investment Fee Calculator
What could a small investment fee difference cost?
Compare investment fees over time, including fees paid, lost growth, final wealth and the percentage of potential wealth lost.
Test08
Assumptions Lab
Which assumptions change your financial future most?
See which long-term assumptions carry the most weight across investments, property, income and cash purchasing power.
Earn
Understand take-home pay, pension salary sacrifice and student-loan deductions.
Understand11
Salary & Take-Home Pay
What will your salary pay after tax?
Calculate Income Tax, National Insurance, pensions and student loans, including marginal deductions on a pay rise.
Optimise14
Salary Sacrifice Calculator
How much could salary sacrifice save?
See the take-home cost of salary sacrifice, employer NI savings and unusually valuable UK tax thresholds.
Repay16
UK Student Loan Calculator
Will you ever repay your student loan?
Estimate lifetime repayments, payoff or write-off and whether voluntary overpayments are likely to save money.
Save
Build a cash buffer, prioritise the next pound and test purchase and cash-product decisions.
Protect01
Savings Runway
How long could your savings support you?
Estimate how long accessible cash could cover essential spending under normal and stressed assumptions.
Prioritise02
The Next £1
Where could your next pound have the greatest financial effect?
Compare saving, debt repayment, mortgage overpayments and investing using your own priorities.
Evaluate03
True Cost of a Purchase
What could this purchase really cost you?
Combine the purchase, financing, recurring costs, resale value and the growth given up elsewhere.
Save22
Tax-Aware Cash Lab
Which cash option has the stronger after-tax outcome?
Compare after-tax savings and ISA returns with simulated Premium Bonds outcomes and a direct gilt held to maturity.
Borrow
Compare debt repayment, early loan settlement, mortgage overpayments and uncertain investment returns.
Repay20
Early Loan Settlement
What could an early loan settlement save?
Estimate an early settlement amount, remaining interest avoided, fee impact and time saved on a standard repayment loan.
Repay06
Debt Freedom
When could you become debt-free?
See how repayment order and an additional monthly payment could change the debt-free date and total interest.
Compare10
Mortgage Overpayment vs Invest
Should you overpay your mortgage or invest?
Compare overpaying, investing and splitting the money using mortgage savings and low, central and high investment scenarios.
Home
Estimate mortgage payments, rate resets, renting decisions, landlord economics and property-purchase tax.
Property27
Sell, Let or Buy-to-Let Lab
Should I sell my property, keep it and let it, or buy a separate buy-to-let?
Compare sell-and-invest, keep-and-let and purpose-bought BTL paths after rental tax, mortgages, transaction costs and CGT.
Compare04
Buy vs Rent
What could buying or renting leave you with?
Compare household wealth under buying and renting assumptions across different time horizons.
Plan13
Mortgage Calculator
How would the rate and term change my mortgage?
Model mortgage payments, loan-to-value, total interest, rate changes, term trade-offs and capital remaining.
Prepare07
Mortgage Reset
What could happen when your mortgage rate changes?
See how a new rate and term could affect the monthly payment, remaining balance, interest and loan-to-value.
Compare23
Remortgage Decision Lab
Which remortgage deal has the lower true cost?
Compare total interest and net fees, find a cost crossover, stress rates and see the cash needed for the next LTV band.
Buy17
Property Purchase Tax Calculator
How much property tax and cash will I need?
Calculate UK property purchase tax, effective rate, total purchase cost and completion cash across all four nations.
Tax
Estimate taxable gains, identify pension relief and see how extra work interacts with household tax thresholds.
Tax24
Tax Cliffs & Extra Work Lab
What would extra work or a pay rise really add to household cash?
Test the household cash effect of extra earnings across tax, pension and family-support thresholds.
Tax18
Capital Gains Tax Calculator
How much Capital Gains Tax might I pay?
Calculate a gain, losses, allowance, 18% and 24% tax, after-tax profit and a sell-now versus phased-disposal comparison.
Tax21
Pension Tax-Relief Reclaim
Could you have pension tax relief left to claim?
Check relief at source, net pay and salary sacrifice, estimate additional relief and find the appropriate HMRC route.
Retire
Project a future pension, compare it with benchmarks and map annual-allowance carry-forward.
Retire25
Pension Allowance & Carry-Forward
Can unused pension allowance cover this year's contributions?
Estimate tapered allowance, unused carry-forward, MPAA exposure and the allowance that expires first.
Retire19
Pension Benchmark
How much pension should I have?
See whether your pension is ahead or behind a personalised target, what to contribute and how retiring later changes the result.
Retire15
Pension Calculator
Are you on track for retirement?
Estimate your future pension pot, retirement income, target shortfall and the contribution needed to close it.