Money and Finance Calculators

The finance plot covers the four things people actually do with money: earn it, borrow it, save it and invest it. The earning tools turn a headline figure into what lands in a bank account. The borrowing tools price a debt before you commit to it, so you can see the total interest as well as the monthly payment. The saving tools answer the question worth asking of a target, which is how long it takes to get there at a given monthly amount and starting balance. The investing tools project a pot forward and put different growth rates on a comparable footing.

Some of these are UK-specific because the rules are. The salary take-home, paycheck tax and student loan repayment calculators apply 2025/26 thresholds for England, Wales and Northern Ireland, and Scottish taxpayers sit on a different set of income tax bands. Everything else is arithmetic that does not care what the currency is called. Compound interest, ROI, CAGR, the rule of 72, net worth, debt to income and the loan schedules all work the same in pounds, dollars or euros as long as you stay consistent inside one calculation.

Every figure here is an estimate for planning, not a quote and not advice. The tax tools ignore pension salary sacrifice, benefits in kind, an unusual tax code and the Scottish bands. The mortgage tools use a straight repayment formula and know nothing about a lender's stress test, your credit file or the fees bolted onto a deal. Use the number to decide whether something is worth pursuing, then check anything that matters against a payslip, a mortgage illustration or an adviser.