Money maths you can actually trust.
Free UK calculators that are accurate to the pound, check their own figures against official HMRC and government sources, and explain what the numbers mean for you — without the clutter, ads or sign-up walls.
Try the mortgage calculator →The calculators
Mortgage affordability & true cost
LiveBorrowing power, stamp duty, monthly payments, a rate-rise stress test and the true all-in cost — for England, Scotland & Wales.
Take-home pay
LiveSalary after tax and NI — with Scotland's six bands, all five student-loan plans, and salary sacrifice done properly.
Pension: on track?
LiveRetirement income in today's money, after tax, against the official living standards — and what closing the gap costs.
Buy vs rent
SoonThe real long-run cost of buying compared with renting.
Why build another calculator site?
- Accurate to the pound. Every rate is verified against its official source and covered by an automated test suite.
- The whole picture. Not just "how much" — the true cost, the risks, and what to do next.
- Plain English. Guidance woven into your results, not buried in articles.
- No walls. No sign-up, no data harvesting, no pop-ups.