Tools
Move the numbers. See what changes.
Nine free calculators — illustrations, not advice — so the ideas in the guides have somewhere to live besides a paragraph. Everything runs in your browser; nothing is saved or sent anywhere.
Everyday money
Emergency fund calculator
Work out a sensible emergency fund target from your essential monthly spending and how many months of cover you want.
Open calculator →Lifetime ISA bonus calculator
See exactly how much 25% government bonus you'll get on this year's Lifetime ISA contributions.
Open calculator →Mortgage deposit calculator
Enter a property price and deposit percentage to see the cash you'd need and the loan-to-value you'd be borrowing at.
Open calculator →Compound growth & savings calculator
Project a savings pot, ISA or pension over time with a starting balance, monthly contributions and an assumed growth rate.
Open calculator →Self-employed & freelance
Running your own income brings its own maths — tax, National Insurance, pricing and costs an employer would otherwise handle for you.
Self-employed take-home pay calculator
Estimate income tax, Class 4 National Insurance and student loan deductions on your sole trader profit.
Open calculator →Freelance day rate calculator
Work out a realistic UK freelance day rate from your income target, billable days and overheads.
Open calculator →Annual income target calculator
Work backwards from the take-home pay you need to the turnover, day rate and client count required.
Open calculator →Business expense impact calculator
See the true after-tax cost of a business purchase and how allowable expenses reduce your tax and NI bill.
Open calculator →Software & platform cost calculator
Add up your subscription stack and marketplace commission to see your real annual cost of doing business.
Open calculator →These tools give a general illustration only. They are not personalised financial advice and are not FCA-regulated — always check current rates and rules before making a decision.