Free calculators
Simple tools for running your own numbers. Every assumption is stated on the page, results update as you type, and nothing you enter leaves your browser. They illustrate how the maths works — they don't tell you what to do.
Compound growth
What regular saving could grow into over time, and how much of the final pot is growth rather than your own contributions.
Open calculator → RetirementRetirement gap
Project your pension pot to retirement age and compare it with the pot a target income would typically need.
Open calculator → RetirementPension tax relief
What a monthly contribution really costs you after tax relief — and what lands in the pot with an employer match.
Open calculator → PropertyMortgage repayments
Monthly payments and total interest for any loan, rate and term — plus the effect of regular overpayments.
Open calculator → FeesFee impact
Compare two annual charge levels on the same pot and see what the difference compounds into over decades.
Open calculator → RetirementDrawdown sustainability
How long could a pension pot last? Model withdrawals, growth and inflation and find the depletion age.
Open calculator → RetirementState Pension top-up
The payback maths on buying voluntary National Insurance years — often the best deal in UK finance.
Open calculator → PropertyOverpay vs invest
The kitchen-table classic: the same monthly money against the mortgage or into the market, side by side.
Open calculator → FoundationsInflation impact
What your money will really buy in 10, 20 or 30 years — and the return cash needs just to stand still.
Open calculator → FoundationsEmergency fund
Set a cash buffer target from your monthly essentials and see how long it'll take to build at your saving rate.
Open calculator →About these tools: results are illustrative projections based on the assumptions you enter — they are not forecasts, guarantees, advice or personal recommendations. Real returns vary and capital invested is at risk. For decisions, consult an FCA-authorised adviser.