Tools

Every tool is free. Numbers stay in your browser unless you email a summary to yourself.

• Take-home pay

  See what actually lands in your account after tax, NI, student loan and pension.

• Monthly budget

  Line up bills and spending against take-home, and see what is left.

• Debt payoff

  Avalanche or snowball: a payoff order, months to clear, and interest.

• Emergency fund

  How many months of essentials you could cover, and the gap to target.

• Rent or buy

  A sniff test: monthly rent versus a rough mortgage repayment. Not an offer.

• Bills converter

  Turn weekly, 4-weekly, quarterly and yearly bills into honest monthly totals.