UK Personal Finance Calculators

Personal finance is really just managing your money across a month, a year and a lifetime. These tools cover the everyday numbers — budgets, loans, percentages and living costs — plus some of the tax rules that affect your money.

Budgets

A budget helps you see where your money goes and find room to save. The budget calculator organises your income and spending, and the how-to-create-a-budget guide explains the steps behind it.

Loans and credit

The loan calculator shows your monthly repayment and total interest on a personal loan, and the reducing-debt and understanding-credit guides explain how interest and repayment work.

Percentages and cost of living

The percentage calculator handles everyday percentage maths like discounts, increases and proportions. The cost-of-living calculator estimates your day-to-day outgoings, useful for planning or comparing moves.

Child benefit and pension relief

If you claim child benefit and earn above a threshold, you may have to repay some of it through the high-income child benefit charge. Pension contributions attract tax relief, and the pension-tax-relief calculator shows how much the government adds.

Frequently asked questions

What's the best way to start a budget?

Start with your monthly income, list essential and discretionary spending, then set a realistic saving target. Review it each month and adjust.

How does pension tax relief work?

For most people, contributions are topped up by tax relief at your marginal rate, up to your annual allowance. The pension-tax-relief calculator estimates the figure.