Money Tools
8 guides and tools on money tools.
Free calculators for budgets, debt payoff, savings goals, mortgage affordability and retirement — all running in your browser.
50/30/20 Budget Calculator
A budget framework simple enough to remember, which is the only kind anybody keeps using after the first month.…
Money ToolsEmergency Fund Calculator
An emergency fund is not an investment. Its job is to stop a surprise turning into a debt, and it is the highest-priority saving most p…
Money ToolsDebt Snowball vs Avalanche Calculator
The avalanche method always costs less. The snowball method is completed more often. This shows you the size of the trade-off in your o…
Money ToolsNet Worth Calculator
Income tells you what arrives. Net worth tells you what you have kept, which is the number that actually compounds.…
Money ToolsRetirement Savings Calculator
The two variables that matter most are how early you start and whether you are claiming the full employer match. Investment returns com…
Money ToolsMortgage Affordability Calculator
Lenders decide what you can borrow. This shows you what you can afford, which is frequently a smaller number.…
Money ToolsSavings Rate and Financial Independence Calculator
The single most powerful finding in this area: your time to financial independence depends on your savings rate, and barely at all on y…
Money ToolsInvestment Fee Impact Calculator
Fees are the only input to your future returns that you can know in advance, and the only one you fully control.…
About this section
These calculators cover the arithmetic behind the decisions in the rest of the site: what a budget split implies, how large an emergency fund needs to be, which debt repayment order costs less and by how much, what a pension pot might produce, and how much of an investment outcome a percentage fee consumes.
Every one runs entirely in your browser. Your income, your debts, your savings and your pension figures are never transmitted to us and never stored, because the site has no mechanism to receive them. There are no accounts and nothing to sign up for.
Each tool shows the formula it uses and states what it excludes. The debt calculator compares the avalanche and snowball methods side by side and shows the cost of the difference, because the mathematically optimal order is not always the one people complete. The mortgage calculator shows what a three-point rate rise would do to the payment. The savings rate calculator shows the finding that matters most in this area — that time to financial independence depends on the proportion of income you save, and barely at all on how much you earn.
These are estimates built from generalised formulas. They cannot know your tax position, your provider's fee schedule or your circumstances, and they are not a substitute for regulated advice.