Whether you are checking your pay, planning a home move, clearing debt, building savings or thinking about retirement, Budget Wizard helps you turn numbers into more confident financial decisions.
Money decisions rarely happen in isolation. A pay rise changes your budget. A better budget creates room to overpay debt. Clearing debt can unlock saving and investing. Each tool is here to help you see the bigger picture and move towards your financial goals with more confidence.
From salary changes to bonuses and pension choices, understand what lands in your account so you can plan with confidence.
Before taking a loan or stretching for a home, see the payment impact, the interest cost and the trade-offs clearly.
A good budget is not just about cutting back. It is about creating room for savings, flexibility and future choices.
Use investing and retirement tools to connect today’s habits with tomorrow’s freedom, security and lifestyle.
Plan better, not blindly: these tools are designed to help you explore options, pressure-test decisions and understand trade-offs. They are educational estimates rather than personal financial advice, so always sense-check important decisions against your own circumstances.
Income is where most financial planning begins. These tools help you understand what you truly take home after tax, pension and student loan deductions so you can budget, compare job offers and make pay decisions with more confidence.
Helpful for job changes, salary reviews, bonus decisions and understanding how pension choices affect your real pay.
See whether extra shifts, more hours or a different hourly rate meaningfully improve your take-home pay.
Borrowing can unlock big life decisions, but it can also become expensive very quickly. These tools help you test affordability, understand the real cost of debt and see how smarter repayment choices can save money over time.
Useful before taking a loan, refinancing debt or checking whether a shorter term is worth the higher monthly payment.
| Comparison | Monthly payment | Total interest | Total repaid |
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| Month | Payment | Principal | Interest | Balance |
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A helpful starting point for home movers and first-time buyers who want to know what feels possible without overcommitting.
| Stress rate | Affordable borrowing | Estimated property price with deposit |
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Ideal if you want to know whether an extra £50, £100 or £200 a month could meaningfully reduce long-term interest.
| Scenario | Mortgage length | Total interest | Interest saved |
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A strong budget gives every pound a job. Use these tools to spot pressure points, free up money for priorities, and build a plan that balances today’s needs with tomorrow’s goals.
Useful when money feels tight, when you want to save faster, or when you simply want a clearer picture of where your income goes.
Choose between quick wins for motivation or lower-interest efficiency, depending on the kind of progress that keeps you moving.
| Strategy | Debt-free in | Total interest | Notes |
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| Month | Debt | Payment | Principal | Interest | Balance |
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Investing is often less about timing and more about consistency. These tools show how regular contributions may compound over time and help you connect monthly habits to future milestones.
Great for turning a vague goal like “I should invest more” into a clearer monthly plan with a visible long-term payoff.
| Scenario | Return | Projected value | Growth |
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Retirement planning is really about future lifestyle planning. These tools help you see whether your current pension path is likely to support the income and flexibility you want later in life.
Useful if you want to know whether your current pension path supports the retirement lifestyle, flexibility and security you have in mind.
| Scenario | Return | Projected pot | Indicative drawdown income |
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