Answers to everyday money questions
Quick, accurate calculators for the 2025/26 UK tax year built for clarity on pay, borrowing, bills, investing and retirement.
Assumptions: UK (England/Wales/NI) by default; Scotland supported. NI annualised approximation. Student loan Plans 1/2/4/PG supported. Tax code parsing supports standard codes like 1257L.
Personal allowance taper over £100k
NI 8% / 2%
Debt Repayment Optimiser
Take-home pay calculator (2025/26)
Base pay before bonus or sacrifice
e.g. 1257L (standard). Numeric part × 10 = allowance.
e.g. cycle to work, extra pension
What we calculate
Income Tax bands (2025/26); taper £1 lost per £2 over £100k; NI employee 8% up to £50,270 then 2%; Student Loan at 9% (PG 6%) over thresholds.
NI & Student Loan bases: only salary sacrifice (and other NI-exempt sacrifice) reduce NI/SL. Net pay/relief-at-source do not reduce NI/SL.
Hourly → Take-home estimator
Loan repayment calculator
Month-by-month schedule
| Month | Payment | Principal | Interest | Balance |
|---|
Mortgage affordability estimator
Loans, cards, car PCP, child maintenance, etc.
For payment-based estimate
Used to size affordable mortgage
Mortgage overpayment calculator
Method
We compare base amortisation vs. amortisation with a fixed monthly overpayment. Outputs show **interest saved** and **months shaved**.
Monthly bills & budget share
Your take-home (net) pay per month
Enter typical monthly amounts. We’ll show each as a % of income and flag with a WRAG status (Green/Amber/Red).
Additional bills (add as many as you like)
WRAG guide (rules of thumb)
Rent/Mortgage: Green ≤35%, Amber 35–50%, Red >50% of net income.
Utilities: Green ≤10%, Amber 10–15%, Red >15%.
Subscriptions/Phone: Green ≤5%, Amber 5–10%, Red >10%.
Shopping & groceries: Green ≤15%, Amber 15–25%, Red >25%.
Savings: Green ≥15%, Amber 10–15%, Red <10% (higher is better).
General/Other: judgement based on remaining budget.
Utilities: Green ≤10%, Amber 10–15%, Red >15%.
Subscriptions/Phone: Green ≤5%, Amber 5–10%, Red >10%.
Shopping & groceries: Green ≤15%, Amber 15–25%, Red >25%.
Savings: Green ≥15%, Amber 10–15%, Red <10% (higher is better).
General/Other: judgement based on remaining budget.
Debt Repayment Optimiser (snowball)
Add each debt in one row. We prioritise the smallest balances first (classic snowball). Each box has a header to clarify what to enter.
Snowball month-by-month plan
| Month | Debt | Payment | Principal | Interest | Balance |
|---|
Investing growth (monthly compounding)
Note: Projections are hypothetical and do not guarantee future returns.
Retirement planner (workplace pension + state)
Editable assumption (new State Pension, today’s £)
Assumptions & notes
Contributions grow with salary held flat (edit % to reflect real increases). Employer match = min(match %, your %, cap).
Growth uses monthly compounding of the AER you set. Drawdown = chosen % of pot per year; Annuity = one-off conversion using your entered rate.
State Pension added from SPA.