All Guides and Calculators
The full index, organised by topic.
Everything published on Money Guidance, grouped by topic. All free, no account needed.
Budgeting & Saving (8)
Where the money actually goes, how to build a buffer that survives real life, and the habits that make saving automatic rather than heroic.
- How to Budget When You Have Tried Before and Failed
- Practical Ways to Save Money That Actually Add Up
- Sinking Funds: The Fix for Budgets That Keep Breaking
- Lifestyle Inflation: Why a Pay Rise Rarely Helps
- Inflation and What It Does to Your Money
- Money and Mental Health
- Savings Accounts: Which Type for Which Job
- Managing Money as a Couple
Debt (3)
How interest really works against you, which debts to clear first, and what to do when the payments have stopped being manageable.
- Good Debt and Bad Debt: A Useful Distinction, Carefully Applied
- How Credit Scores Actually Work
- What to Do When Debt Has Become Unmanageable
Investing Basics (5)
Risk, diversification, fees and time — the four things that determine outcomes, explained without jargon or product recommendations.
- Investing for Beginners: What Actually Matters
- Index Funds and ETFs Explained
- Risk and Diversification: What They Actually Mean
- Investment Fees: The Cost You Can Actually Control
- Tax-Efficient Saving and Investing
Housing & Mortgages (2)
Renting versus buying, what a deposit really needs to be, how mortgages are priced, and the costs that never appear in the asking price.
Retirement & Pensions (2)
How much is enough, how compounding and employer contributions do the heavy lifting, and why starting early matters more than earning more.
Insurance & Protection (3)
Which risks are worth insuring, which are not, and how to avoid paying for cover you will never be able to claim on.
- Which Insurance Is Worth Buying
- Financial Emergency Planning: What to Sort Out Before You Need It
- Financial Scams: How They Work and How to Refuse Them
Money Tools (8)
Free calculators for budgets, debt payoff, savings goals, mortgage affordability and retirement — all running in your browser.