About us
Free, accurate financial calculators and plain-English guides, built specifically for people in the UK who want to understand their money better.
UK Money Tools is a collection of financial calculators and guides designed to make UK personal finance clearer. The tools cover income tax, National Insurance, mortgages, stamp duty, ISAs, pensions, and more, all built around the actual rules and thresholds that apply in England, Wales, Scotland, and Northern Ireland.
Each calculator is paired with straightforward explanations so the results make sense even if you've never thought about the underlying maths. Our guides go deeper, walking through the concepts behind the numbers in plain English, without the financial jargon.
Most people have a rough sense of their income and biggest expenses, but few have a genuinely clear picture of where they stand. A mortgage calculation done in your head is rarely accurate. A retirement projection that ignores compound interest is almost certainly too optimistic. A budget that only accounts for monthly expenses will always feel like it's leaking.
Good financial tools should close that gap. They should be fast, honest about their outputs, and clear enough that you don't need a financial background to understand the results. That's what we've tried to build.
Every calculator uses current HMRC figures: tax bands, NI thresholds, ISA allowances, pension annual allowances, State Pension rates and more. We update the tools after every Budget or HMRC announcement that changes the underlying rates.
The tools reflect the 2026/27 tax year by default, with some calculators (such as Income Tax) allowing you to compare multiple years side by side.
All calculations happen entirely in your browser. Nothing you enter is sent to a server, stored anywhere, or shared with third parties. We don't require an account and we don't ask for your name, email address, or any personal information.
You can close the page and everything you've entered disappears. Read our Privacy Policy for the full details.
Have a question, spotted an error in a calculator, or want to suggest a new tool? We'd love to hear from you. Email us at hello@ukmoneytools.uk.
The calculators and guides on this site are for information and planning purposes only. They are not regulated financial advice. For decisions that significantly affect your finances (taking out a mortgage, choosing a pension provider, planning your estate), please consult a qualified financial adviser or contact HMRC directly.
See our full disclaimer for more detail.