Calculator library
One money question. One focused calculator.
Instead of one enormous calculator page, Budget Wizard now groups tools by the decision you are trying to make. Each calculator has its own URL, guided inputs, explanations and assumptions.
Income & tax
Income & tax
Understand earnings, deductions and what reaches your bank account.
Take-Home Pay Calculator
Estimate annual, monthly and weekly take-home pay after Income Tax, employee National Insurance, pension contributions and student loan deductions.
Open calculator →Hourly Pay Calculator
Turn an hourly rate and working pattern into estimated gross and take-home annual, monthly and weekly pay.
Open calculator →Salary Sacrifice Pension Calculator
Estimate how increasing a salary-sacrifice pension contribution could affect take-home pay, pension funding and payroll deductions under the active UK payroll ruleset.
Open calculator →Student Loan Repayment Calculator
Estimate annual and monthly UK student-loan deductions from employment income for Plans 1, 2, 4 or 5, with optional postgraduate-loan repayments.
Open calculator →Loans
Loans
Explore borrowing costs, monthly repayments and how term or overpayments change the total cost.
Loan Repayment Calculator
Calculate a personal loan monthly payment, total interest, fees and the effect of making extra repayments.
Open calculator →Car Finance Calculator
Compare indicative hire-purchase and PCP-style car finance monthly payments, total cost and the effect of the final balloon payment.
Open calculator →Mortgages
Mortgages
Model affordability, repayments, remortgaging and the impact of overpaying.
Mortgage Repayment Calculator
Estimate monthly mortgage repayments, total interest, loan-to-value and the difference between repayment and interest-only borrowing.
Open calculator →Mortgage Affordability Calculator
Estimate a cautious borrowing range using household income, deposit, debts, an income multiple and a stressed payment cap.
Open calculator →Remortgage Calculator
Compare your current mortgage payment with a proposed new rate, term and switching costs, including an indicative fee break-even point.
Open calculator →Mortgage Overpayment Calculator
Estimate how monthly overpayments and lump sums could reduce mortgage interest and shorten the repayment term.
Open calculator →House Deposit Calculator
Calculate the deposit needed for a target property price and LTV, add buying costs, and estimate how long your current saving plan could take to reach the cash target.
Open calculator →Loan-to-Value Calculator
Calculate mortgage loan-to-value, home equity and how much a lump-sum payment could move you towards the next common LTV band.
Open calculator →Interest-Only vs Repayment Mortgage Calculator
Compare repayment and interest-only mortgage payments, total interest and the separate monthly saving that may be needed to build a capital-repayment plan.
Open calculator →Budgeting
Budgeting
Turn income and spending into a clear monthly plan and identify your financial margin.
Monthly Budget Planner
Map monthly take-home income against essential costs, debt, lifestyle spending, savings and custom budget lines.
Open calculator →Big Purchase Affordability Calculator
Check whether a large purchase fits today, by a target date, or only with borrowing while protecting an emergency-cash reserve.
Open calculator →Pay Rise Planner
Turn a higher monthly take-home pay into 25%, 50% and 75% goal-focused scenarios so you can improve life now without letting the whole raise disappear.
Open calculator →Debt
Debt
Compare repayment strategies and understand the route from balances to debt-free.
Debt Payoff Calculator
Compare debt snowball and avalanche strategies using each balance, APR, minimum payment and your total monthly debt budget.
Open calculator →Credit Card Repayment Calculator
See how long a credit card balance may take to clear, how much interest you could pay and what an extra monthly payment could change.
Open calculator →Balance Transfer Calculator
Compare staying on your current credit card with moving the balance to a promotional balance-transfer deal, including the transfer fee and post-promotion rate.
Open calculator →Saving & investing
Saving & investing
Explore compound growth, targets and how regular contributions build over time.
Savings Calculator
Project how a starting balance and regular monthly deposits could grow with compound interest and compare the result with a savings target.
Open calculator →Investment Growth Calculator
Model regular investing with an expected return, annual fees and inflation to compare nominal growth with an indicative real value.
Open calculator →Emergency Fund Calculator
Work out a target emergency fund from essential monthly costs, see how many months your current savings cover and build a realistic route to the target.
Open calculator →Savings Goal Calculator
Work backwards from a savings target to see whether your current monthly contribution is enough and what contribution could be needed by your deadline.
Open calculator →Cars & transport
Cars & transport
Set a vehicle budget, understand ownership cost and compare the financial trade-offs behind buying and running a car.
How Much Should I Spend on a Car?
Estimate cautious, balanced and stretch car-price bands from disposable income, savings, emergency cash, running costs, APR and term.
Open calculator →True Cost of Car Ownership Calculator
Estimate the true monthly and total cost of a car from depreciation, finance interest, insurance, tax, fuel, maintenance, parking and resale value.
Open calculator →Property tax
Property tax
Estimate transaction taxes and other property costs using dated UK rule sets.
Renting & moving
Renting & moving
Work out affordable rent, moving cash and the monthly margin left once a new home is fully budgeted.
Retirement
Retirement
Connect pension contributions today with the pot and income you may have later.