Financial Tools
Free calculators and tools to help you plan your path to financial independence.
Save and Invest
Compound Interest Calculator
See how your investments grow over time with regular contributions. Supports daily, monthly, and yearly compounding with CSV export.
£500/mo for 30 years at 7% -> ~£589k
Use calculatorDrip Feed vs Lump Sum
Compare investing a lump sum all at once against drip feeding it in over several months. See which strategy comes out ahead.
Vanguard data: lump sum wins ~2/3 of the time
Use calculatorTime in the Market
Compare perfect market timing, worst timing, and consistent investing using real S&P 500 data. Spoiler: consistency wins.
Missing the 10 best days roughly halves returns
Use calculatorCoast FIRE Calculator
Find out if you can stop saving and let compound growth carry you to financial independence. Calculate your Coast FIRE number.
£100k invested at 30 can coast-FIRE by 60
Use calculatorISA vs SIPP Calculator
Compare £X going into an ISA versus the same amount going into a SIPP, after tax relief on the way in and tax on the way out. Shows the after-tax pot at retirement and which wrapper wins for your situation.
After-tax outcome: ISA vs SIPP for UK investors
Compare wrappersPlan and Track
UK Money Flowchart
An interactive step-by-step guide to sorting your finances. Find where you are on the path and what to focus on next.
The single-page decision tree
Start flowchartFinancial Literacy Quiz
Test your UK financial knowledge across pensions, ISAs, tax, budgeting and investing. An adaptive quiz that scores you from Beginner to Expert.
Honest self-assessment in under five minutes
Take the quiz FreedomFIREFreedom Number
A 1-100 score that places you on the FreedomFIRE class ladder, from Wage Slave to Aristocrat.
Find your class on the path to financial independence
Find your numberLife Plan Calculator
Project your entire financial life forward. See pensions, ISAs, and LISAs grow while debts shrink, and find when you reach FI.
Map every decade from 25 to 95 in one chart
Use calculatorNet Worth Tracker
Track every asset and liability over time. Independent category updates, interest rate tracking, and net worth charts.
Log assets and debts month by month
Open trackerUK Net Worth Comparison
See how your net worth stacks up against the UK median for your age group, using ONS Wealth and Assets Survey data.
Where you sit on the UK net-worth distribution
Compare nowTake-Home Pay Calculator
See your actual take-home pay after income tax, National Insurance, student loan, and pension deductions. Uses 2025/26 UK tax rates.
£60k salary -> roughly £45,143 after tax and NI
Use calculatorIR35 Calculator
Compare inside-IR35 vs outside-IR35 take-home for the same contract rate, with auto-optimised director salary, dividends, and FTE-equivalent permanent gross.
£500/day outside vs inside IR35 - the gap can be £15k+/yr
Use calculatorEmergency Fund Calculator
Work out how much you need in your emergency fund and how long it will take to build it. Includes Personal Savings Allowance check.
£2k/mo expenses x 6 = £12k target
Use calculatorRedundancy Pay Calculator
Estimate your statutory redundancy entitlement, the £30,000 tax-free split, PILON and holiday pay treatment, and your take-home payment.
20 yrs at £600/wk, age 50 -> ~£14k statutory
Use calculatorTax Optimisation
Marriage Allowance Calculator
Find out if you qualify for the UK marriage allowance transfer, the £252-per-year tax saving, and the four years you can backdate the claim.
£252 a year if you qualify, £1,260 backdated
Check eligibility60% Tax Trap Calculator
The £100,000-£125,140 effective 60% marginal-rate band, explained with the escape mechanics. Calculate your own position using the Take-Home Pay tool.
Why £100k-£125k earners pay an effective 60% on each extra pound
See the trapCGT Calculator UK
Capital Gains Tax on shares, property and crypto for the 2026-27 tax year. £3,000 annual exempt amount, basic-rate-band-stacking, and the higher property rates built in.
Your CGT bill on shares, property or crypto in 2026-27
Calculate CGTUK Dividend Tax Calculator
Work out the tax on your UK dividend income for 2026-27. £500 dividend allowance, 8.75%/33.75%/39.35% rates, and how dividends stack on top of salary in the tax bands.
Salary + dividend tax for company directors
Calculate dividend taxUK Inheritance Tax Calculator
Estimate your IHT liability with the £325k nil-rate band, £175k residence nil-rate band, spousal transfer, the £2m taper, and 7-year gift rules. 2026-27 thresholds.
Your IHT bill at 40%, with all the reliefs applied
Calculate IHTPension Carry-Forward Calculator
Work out how much unused pension annual allowance you can carry forward from the last three tax years, including the tapered allowance for high earners.
Up to £240k of pension contribution headroom this year
Calculate headroomBorrow and Buy
Can I Afford This House?
Stress-test a UK house purchase against ±10pp interest rate moves, check the 50/30/20 rule, and see 100 years of Bank of England base rate history.
£300k at 4.5% looks fine. At 9% it eats 47% of net pay.
Use calculatorUK Mortgage Affordability Map
Interactive UK map showing the price-to-earnings ratio, deposit savings years and monthly payment for every UK region. Updates with live Bank of England mortgage rates.
See which UK regions are still affordable - and which aren't
Open mapMortgage Calculator
See how regular overpayments can cut years off your mortgage and save thousands in interest.
£300k mortgage, 4.5%, 25 years -> £1,668/mo
Use calculatorStamp Duty Calculator
Calculate UK stamp duty (SDLT) on a property purchase. Includes first-time buyer relief and additional property surcharge.
£400k home as first-time buyer -> £0 if under £425k
Use calculatorDebt Payoff Calculator
Compare snowball vs avalanche strategies for paying off multiple debts. See which saves more interest and time.
Avalanche vs snowball, side by side
Use calculatorLoan Calculator
Calculate monthly repayments, compare loan offers side by side, and see how much you can afford to borrow.
£20k at 8% over 5 years -> £406/mo, £4.4k interest
Use calculatorInvest vs Pay Off Mortgage
Should you overpay your mortgage or invest the spare cash? Compare both strategies over your remaining term.
5% mortgage vs 7% expected return, with the tax-wrapper effect
Use calculatorRetire
FI Number Calculator
Find the exact portfolio size you need to be financially independent, and how long it will take to get there. Includes reverse mode to plan by retirement age.
£35k annual spend × 25 = £875k FI number
Use calculatorDrawdown Calculator
Model how long your retirement pot will last with withdrawals, investment returns, inflation, and state pension income.
£500k pot, 4% rule -> £20k/year inflation-linked
Use calculatorPension Match Calculator
Your employer is offering free money. Find out how much you leave on the table by rejecting the pension match.
Free money you might be leaving on the table
Use calculatorUnderstand the System
Comparative Advantage Simulator
David Ricardo's two-country, two-good model. See why open markets and specialisation produce gains for both sides, even when one country is better at everything.
The mathematical case for trade in 60 seconds
Open simulatorUK Macroeconomic Dashboard
Inflation, Bank of England base rate, unemployment, wage growth and monthly GDP on one page. Refreshed daily from ONS and BoE.
The UK economy at a glance, with sources
Open dashboardUK Wage Stagnation Tracker
How nominal UK wages compare to inflation since 2000. Real (CPI-adjusted) pay charted alongside nominal, with an interactive tool that shows what a salary from any year is worth in today's pounds.
Why £30k in 2010 is not the same as £30k today
See the dataUK vs G7 Economy
Real wage growth in the UK compared to the rest of the G7 since 2010. Seven small-multiples charts on a shared scale showing where the UK ranks against its peers on actual purchasing power.
Where the UK ranks against US, Germany, France and others
See the rankingEnjoying the content?
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