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Capital at risk. The value of investments can fall as well as rise, and you may get back less than you put in. Past performance is not a guide to future returns.
FLD is not a lender or a credit broker and does not arrange credit. This is general information, not advice to borrow. Any representative APR shown is an example, not a personal quote: the rate you are offered depends on your circumstances and may be higher.
FSCS protects eligible deposits up to £120,000 per person, per authorised institution.
Last updated: .
Free calculators and budgeting helpers on The Finance Lowdown. Use them to explore “what if” numbers — they are educational tools, not personalised financial advice and not a substitute for lender quotes or a regulated adviser.
Results depend on the figures you enter. Rates, fees and eligibility change. Always check the provider and GOV.UK for live information before you decide.
Our calculators
Popular tools
Budget planner
A simple way to map income and spending categories so you can see where money goes. A planning aid — not a credit assessment.
Budgeting & Everyday Money
Take-home pay calculator
Estimate income tax, employee National Insurance and take-home pay for 2026/27 in England, Wales and Northern Ireland.
Budgeting & Everyday Money
Related: 50/30/20 budget calculator
Compound interest calculator
Explore how interest-on-interest can build over time using illustrative inputs. Teaching maths only — not a forecast of any savings product.
Savings & Interest
Open compound interest calculator
Pair with: Compound interest explained · AER explained
Loan repayment calculator
Estimate monthly repayments and total interest on a fixed-rate loan from the amount, APR and term you enter. Not a lender quote or advice to borrow.
Credit & Borrowing
Open loan repayment calculator
Related: APR explained · Credit & borrowing
Pension calculator
Project how a defined contribution pension could grow with your contributions, employer payments and tax relief, with an optional inflation adjustment. Illustrative only — capital at risk.
Pensions & Retirement
Related: Pensions
Budgeting & Everyday Money
50/30/20 budget calculator
Split monthly take-home pay into needs, wants and savings using the 50/30/20 rule of thumb, and compare it with what you actually spend.
Budgeting & Everyday Money
Cashback calculator
Estimate cashback per purchase, per month and per year at a flat rate or with tiered rates on annual spend.
Budgeting & Everyday Money
Related: Cashback Hub
Currency conversion calculator
See what you’d receive from a quoted exchange rate and fees, the fee in pounds and the effective rate. No live rates — enter your own quote.
Budgeting & Everyday Money
Open currency conversion calculator
Related: Sending money abroad
Income tax calculator
Estimate 2026/27 income tax for England, Wales and Northern Ireland, or Scotland, including the Personal Allowance taper.
Budgeting & Everyday Money
Related: Take-home pay calculator
National Insurance calculator
Estimate employee Class 1 or self-employed Class 4 National Insurance for 2026/27.
Budgeting & Everyday Money
Open National Insurance calculator
Related: Income tax calculator
Child Benefit calculator
Estimate Child Benefit and the High Income Child Benefit Charge for incomes over £60,000.
Budgeting & Everyday Money
Related: Universal Credit calculators
Universal Credit calculators (guide)
Where to find the free, independent benefits calculators listed on GOV.UK, and what to have ready.
Budgeting & Everyday Money
Open Universal Credit calculators (guide)
Related: Budget planner
Savings & Interest
ISA savings calculator
Estimate ISA growth, tax-free interest and how much of the annual allowance your deposits would use.
Savings & Interest
Related: ISA allowance tracker
Credit & Borrowing
Mortgage calculator
Illustrative repayment estimates based on the numbers you enter. Not a mortgage offer, affordability decision or advice to borrow.
Credit & Borrowing
Credit card payoff calculator
Rough payoff timelines from balance, rate and payment assumptions you provide. Check your card’s own statements and terms.
Credit & Borrowing
Open credit card payoff calculator
Related: APR explained · Credit & borrowing
Overdraft cost calculator
Estimate the interest on an arranged overdraft from the EAR, balance and days overdrawn.
Credit & Borrowing
Open overdraft cost calculator
Related: Loan repayment calculator
PCP calculator
Illustrative Personal Contract Purchase style figures for teaching scenarios. Not a dealer quote and not advice to take car finance. Capital and interest costs depend on the live agreement.
Credit & Borrowing
HP calculator
Estimate hire purchase monthly payments, the total payable and total interest from the price, deposit, APR and term you enter. Not a lender quote or advice to borrow.
Credit & Borrowing
Related: PCP calculator · APR explained
Pensions & Retirement
Pension tax relief calculator
See the 20% added to personal pension contributions and any extra relief you could claim.
Pensions & Retirement
Open pension tax relief calculator
Related: Pension calculator
Investing & ISAs
ISA allowance tracker
Add up what you’ve paid into each ISA type this tax year and see how much of the allowance is left. A running total only — your providers’ records are what count.
Investing & ISAs
Related: ISA allowance rules · ISAs hub
Lifetime ISA calculator
Project Lifetime ISA savings and the 25% government bonus, and see the effect of the withdrawal charge.
Investing & ISAs
Related: ISA allowance tracker
Business Finance
Business loan calculator
Estimate business loan repayments, interest, arrangement fees and the total cost, with an optional early repayment fee. Not a lender quote.
Business Finance
Related: Small Business Finance
Business expenses calculator
Add up regular and yearly business costs by category to see monthly and yearly totals, the largest cost and costs as a share of sales.
Business Finance
Open business expenses calculator
Related: Business cashflow calculator
Business cashflow calculator
Project a business bank balance month by month from money in, money out and one-off payments, including the lowest point.
Business Finance
Open business cashflow calculator
Related: Business loan calculator
VAT calculator
Add VAT to a net price or remove it from a gross price, with a net, VAT and gross breakdown at 20%, 5% or 0%.
Business Finance
Related: Business tax & HMRC
Corporation tax calculator
Estimate Corporation Tax including Marginal Relief, associated companies and short accounting periods.
Business Finance
Open corporation tax calculator
Related: Dividend tax calculator
Dividend tax calculator
Estimate tax on dividends after the £500 allowance, using 2026/27 dividend rates.
Business Finance
Related: Corporation tax calculator
FAQ
Are these tools free?
Yes — our calculators linked above are free to use on the site. Results are for education only.
Can I rely on a calculator instead of a lender quote?
No. Calculators use your inputs and simplified assumptions. Always get figures from the provider before you apply or switch.
Do you give personalised advice through these tools?
No. Nothing on this page is personalised financial advice. See Editorial Policy.
Where else can I find apps people often look at?
See Money apps and tools we cover for apps people often use (not personalised picks).
I’m new — where should I start?
Try Start Here, then pick a calculator that matches the question you are exploring.
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Calculator outputs depend on your inputs and are not offers, forecasts or personal recommendations.