Free UK money tools
Type numbers in. Get a straight answer.
Take-home pay, bills, debt, rent versus buy. For employees, renters and homeowners. No bank login. No account.
No bank login · Numbers stay on this device · 2025/26 tax year
- Take-home
- £2,840
- Bills and spending
- £2,050
- What’s left
- £790
The tools
- Open
Take-home pay
See what actually lands in your account after tax, NI, student loan and pension.
- Open
Monthly budget
Line up bills and spending against take-home, and see what is left.
- Open
Debt payoff
Avalanche or snowball: a payoff order, months to clear, and interest.
- Open
Emergency fund
How many months of essentials you could cover, and the gap to target.
- Open
Rent or buy
A sniff test: monthly rent versus a rough mortgage repayment. Not an offer.
- Open
Bills converter
Turn weekly, 4-weekly, quarterly and yearly bills into honest monthly totals.