Free Financial Calculators

Peter was a colleague who was completely unbothered when our company announced a round of redundancies. Not because he did not care about his job. But because his finances were sorted. He knew his numbers. He had done the work.

Most of us have not. We have a vague sense of our salary, a rough idea of our mortgage payment, and a hope that the pension is ticking along somewhere. The gap between knowing and not knowing your financial situation is enormous. And the calculators on this page are designed to close it.

Every tool here gives you a real answer, not a ballpark. You will see the working. You will understand where the number comes from. And there is a plain-English explanation alongside every result so you walk away knowing more than when you arrived.

All calculators are free, updated for 2026, and use current rates where relevant. No account needed. No email address. No nonsense.

Mortgage calculators

Tools covering everything from your first mortgage calculation to your remortgage decision. Work out your monthly repayment, find out how much you could borrow, calculate your loan-to-value ratio, see what overpaying each month could save you, and compare your current mortgage deal against a new one. If you own a home or are trying to buy one, start here.

Savings and pension calculators

Tools that show you the long game. See how compound interest builds your savings over time, project your pension pot at retirement, model your ISA balance after 5, 10 or 20 years, and find out exactly what lands in your bank account each month after tax and National Insurance. These are the calculators that change how people think about money.

Property calculators

Tools for buyers, owners and landlords. Find out how long it will take to save your deposit, see exactly how much stamp duty you will pay, including first-time buyer relief, calculate the gross and net rental yield on a buy-to-let property, and model how a property could grow in value over 10, 20 or 30 years.

Tax and maths calculators

Tools with no shame attached. Percentages, ratios and long division are the building blocks of almost every financial calculation. These tools give you the answer and explain exactly how to get there yourself next time.

Peter did not have a finance degree. He did not obsess over spreadsheets or spend weekends reading investment forums. He just knew his numbers. He had done the basic calculations, understood what they meant, and made decisions accordingly.