Free tools

Run your own numbers.

Quick, honest calculators for the money questions that actually matter. Everything runs in your browser — nothing is stored, tracked, or sent anywhere.

Mortgage Overpayment Calculator

See how much interest — and how many years — small monthly overpayments could take off your mortgage.

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Debt Payoff Calculator

List your debts, pick avalanche or snowball, and see your debt-free date and the interest you'd save.

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Savings Rate Calculator

The one number that quietly drives everything else — find yours in ten seconds.

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FIRE Calculator

Your financial-independence number, and roughly when you could reach it at your current pace.

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Net Worth Calculator

Add up what you own, subtract what you owe — the single most honest picture of your money.

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Compound Interest Visualiser

Watch small, regular money quietly become large money — and see exactly what waiting costs.

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Pension & ISA Calculator

The same monthly amount, two homes — see what tax relief and an employer match really add over the years.

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Emergency Fund Sizer

Size your safety net to your real essentials — and see how soon you could have it fully funded.

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These tools are general education, not personalised financial advice — see ourDisclaimer. Want the numbers to stick? Thefree planners in the shop pick up where the calculators leave off.