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UK money tools built for calmer decisions
Simple calculators and plain-English guides for real-life money decisions
Budget Wizard helps you understand what you earn, what you spend, what debt is really costing you, and how today’s choices connect to tomorrow’s goals.
Take-home pay
Budget planning
Debt payoff
Mortgage checks
Investing growth
Retirement planning
Start with the decision
Instead of drowning in numbers, start with the question: pay, bills, debt, mortgage, investing or retirement.
See the trade-off
Good money choices are often about understanding what you gain, what you give up, and what changes over time.
Use your own numbers
Articles explain the idea, but calculators help you test the numbers against your actual situation.
Make the next step clearer
The goal is not perfection. It is one calmer, better-informed decision at a time.
Calculator suite
Open all calculators →
Choose the tool that matches the decision
Start with the money question you need to answer. Each calculator helps you test a different part of your financial life, from pay and budgeting through to debt, mortgages, investing and retirement.
Income
Take-home pay calculator
Work out estimated UK take-home pay after tax, National Insurance, pension and student loan deductions.
Use calculator →
Income
Hourly pay estimator
Turn hourly wages, weekly hours and working weeks into a clearer annual and monthly take-home estimate.
Use calculator →
Mortgage
Mortgage affordability
Sense-check how much you may be able to borrow before stretching too far on a home move.
Use calculator →
Mortgage
Mortgage overpayment
See how monthly or lump-sum overpayments could reduce interest and shorten your mortgage term.
Use calculator →
Budgeting
Monthly budget planner
Map your income, bills, debt, lifestyle spending and savings to see what is really left each month.
Use calculator →
Debt
Debt repayment optimiser
Compare snowball and avalanche repayment routes so you can clear debt with a plan you will stick to.
Use calculator →
Investing
Investing growth calculator
Estimate how regular monthly investing could grow over time using simple compound growth assumptions.
Use calculator →
Retirement
Retirement planner
Connect pension contributions, employer matching and target income to a more realistic retirement picture.
Use calculator →
Better money flow
A simpler way to use Budget Wizard
Most people get better results when they use the tools in a sensible order, rather than jumping straight to the most complicated question.
1. Know your income
Start with your take-home pay so every other decision is based on what actually lands in your account.
Check take-home pay →2. Map the month
Use your monthly budget to understand bills, lifestyle spending, debt payments and what is left for goals.
Build a budget →3. Reduce pressure
If debt is taking too much room, compare repayment strategies and create a plan you can stick to.
Optimise debt →4. Plan forward
Once the basics are clearer, look at mortgages, investing and retirement with more confidence.
Plan ahead →Important: Budget Wizard calculators and articles are educational resources, not personal financial advice. They can help you explore scenarios and understand trade-offs, but important decisions should always be checked against your own circumstances.
Latest guides
View all articles →
Plain-English help for everyday money choices
Use the guides when you want the thinking behind the numbers: what to prioritise, what to avoid, and what practical step comes next.
The Bare-Bones Budget: How To Survive a Bad Month
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The 24-Hour Money Triage Plan: What To Do First in a Panic
A money panic needs a short, practical plan. This 24-hour triage guide shows what to check first, what to pause, who to contact and how to avoid rush…
FAQs
Which calculator should I start with?
Start with the decision you need to make. If you are checking income, use take-home pay. If money feels tight, use the budget planner. If you are planning a home move, use mortgage affordability.
Why simplify the homepage?
A homepage should help people choose the right path quickly. The calculators are still available, but the best user experience is usually to give each major calculator its own focused page or a dedicated calculator suite page.
Are these tools financial advice?
No. Budget Wizard provides educational calculators and guides. They help you estimate, compare and understand trade-offs, but they are not personal financial advice.
How should I use the articles with the calculators?
Use articles to understand the idea and common mistakes. Use calculators to test the numbers with your own income, bills, debts, savings or pension assumptions.