Independent UK money tools
Understand the numbers. Make the decision.
Free calculators and practical tools for the money decisions that matter—built for the UK, explained in plain English and usable without an account.
Useful before impressive.
Each tool is designed to answer one practical question quickly. No account creation, no gated result and no sales call hidden behind the button.
Turn a UK salary into take-home pay
Estimate Income Tax, National Insurance, pension and student-loan deductions—with Scottish rates, tax codes and a one-off bonus when they apply.
Understand the whole mortgage decision
Calculate payments and LTV, estimate affordability and buying costs, compare deals, or test an overpayment.
Open the mortgage tools → Free working toolCreate a proper UK invoice
Add line items and optional VAT, then print, save as PDF or download an editable template.
Open the invoice generator →How we work
Clear about the maths—and the money.
Financial tools should help you think, not steer you toward a hidden outcome. We explain assumptions, date changing information and separate calculations from commercial links.
Go beyond the result.
A calculator gives you a number. These short guides explain when that number matters and which costs can change the decision.
Should I remortgage?
When switching pays, when it does not, and the six-month window many borrowers miss.
CostsFees and the break-even sum
Arrangement, legal, valuation and exit fees—plus the calculation that settles the question.
Take-home payHow pension and bonus affect pay
Understand salary sacrifice, net pay, relief at source and one-off bonus deductions.