Finance & Money Tools

The kettle costs pennies and the tumble dryer costs a fortune — build your house as a list, see what each appliance really costs per day, month and year, and find the ones worth changing first.

APY = (1 + APR/n)n − 1, where n is compounds per year. APR is the quoted nominal rate; APY (EAR in the UK) is what you actually earn or pay after compounding. Savings ads in Britain must show AER.

Track your complaint deadlines — never miss a bank's response window, FOS deadline, or court limitation period

Challenge incorrect entries on your credit report — generate dispute letters for credit agencies and banks

Generate formal dispute letters for unauthorized charges, unfair fees, and billing errors — ready to send to your bank

Calculate the TRUE cost of your bank account — overdraft fees, ATM charges, FX markups, and hidden costs that banks hope you won't notice

Build a complete FOS complaint — step by step. Get your money back when the bank refuses to help

Calculate how much you've been overcharged on overdraft interest and fees — then generate a reclaim letter

Force your bank to reveal ALL data they hold on you — internal notes, decision records, credit scoring, and communications

Check if your credit card purchase is protected under Section 75 — calculate your claim and generate the letter

Calculate court costs, check eligibility, and generate your claim — the nuclear option when banks refuse to play fair

Compare bank switching bonuses, calculate total savings, and see how much your loyalty is costing you

See how scheduled income and bills affect a running balance over the next 30, 60 or 90 days. Add one-off or repeating entries, spot a projected below-zero day, and export the forecast. No bank conn...

Find the sales volume needed to break even and calculate required revenue. For educational and planning purposes only.

Smart budgeting with predictive analytics, financial health scoring, and personalized optimization strategies.

Count weekdays between two dates, or add N working days to a start date. Weekends are skipped; paste extra holidays if you need them. All counting stays on this device.

CAGR = (end ÷ start)1/years − 1. The smoothed yearly rate that takes a starting value to an ending value. It ignores deposits, fees and the bumpy path in between — a sketch, not a forecast.

Work out the true cost of running a car in the UK — depreciation, fuel or electricity, insurance, VED road tax, servicing, MOT, tyres and repairs — per month and per mile. Everything calculates loc...

Explore which combination of community projects fits a shared budget. Use member-agreed support scores to compare the best affordable bundle with the projects it leaves out.

Calculate future value, growth projections, and compare investment scenarios. Visualize wealth accumulation over time with detailed breakdowns. ✅ Features: Regular contributions, inflation adjustme...

Make a cooperative’s surplus distribution understandable to every member. Set an agreed reserve share, then compare equal-member, contribution-weighted and blended allocations that add up exactly.

Bands come from your home’s value on a fixed historic date — 1991 in England and Scotland, 2003 in Wales. Find your band, estimate the real bill from your council’s Band D figure, and see what the ...

Convert between 20 major currencies using built-in offline reference rates. No sign-up, no network — works fully offline. Rates are indicative (refreshed Sep 2026); check your provider for live quo...

Calculate date differences, add/subtract days, and discover interesting date facts instantly.

Calculate how long one balance takes to clear — and what extra payments save in interest. Estimates only, not financial advice. If debt feels unmanageable, speak to a free debt adviser.

WORLD'S FIRST interactive DE solver with step-by-step explanations, visual graphs, and real-world applications. Used by universities worldwide!

Calculate final prices after discounts and taxes. Compare multiple deals and save your calculations.

Trailing yield = annual dividends per share ÷ price. Forward yield uses the next expected year. Cover = EPS ÷ DPS. This is a ratio, not investment advice, and ignores tax wrappers.

Estimate the fully loaded annual and monthly cost of hiring beyond the headline salary. All calculations stay in your browser.

Suppliers advertise the unit rate because it is the flattering number, but the standing charge is paid every single day whether you use anything or not. This compares the real annual cost — and, mo...

Estimate kWh, cost and wall-clock time to charge an electric car. Uses usable battery size, start/end state of charge, charger kW and unit rate. Peak DC rates taper — treat rapid times as optimistic.

Estimate your Financial Independence number, years until retirement, and compound investment growth trajectory using the 4% Safe Withdrawal Rule. Illustrative projections, not financial advice.

Calendar quarters, the UK tax year (6 April–5 April) and the US federal fiscal year (starts 1 October). Pick a date; see which Q you are in and when it ends.

Delayed, cancelled or denied boarding? UK261 can entitle you to up to £520 per passenger — and claim firms take 25–40% of it for filling in a form. Check your entitlement and generate the airline l...

Stop undercharging. Calculate your true sustainable hourly and day rates by factoring in unbillable admin time, self-employment taxes, equipment expenses, pension, and paid time off.

Calculate trip fuel costs, compare vehicles, track carbon footprint, and find optimal routes. Real-time calculations with environmental impact!

Gift Aid is the rare tax relief where everybody wins: the charity gets 25p more for every pound you give, at no cost to you, and if you pay tax above the basic rate you can claim some of it back pe...

Track your grocery spending, categorize items, and stay within your budget with smart insights.

Falling behind on rent, energy or debts? Silence makes everything worse. Build a calm, formal hardship letter with a budget summary that asks for a payment plan, freeze or reduction — in UK, US or ...

Tax-free Approved Mileage Allowance Payments for 2026/27: cars and vans 55p for the first 10,000 business miles then 25p; motorcycles 24p; bicycles 20p; plus 5p per passenger per mile. Rates from G...

Convert an hourly rate to a yearly salary (and back) using your hours per week and weeks per year. Defaults match a UK full-time week. Gross pay only — tax is not deducted.

Calculate real-world purchasing power with historical data, multiple currencies, and personalized financial scenarios.

Watch your money multiply: Calculate how small investments today can grow into significant wealth over time through compounding. Illustrative estimates only — not financial advice; markets can fall...

Calculate statutory or agreed late-payment interest and a clear updated invoice total. All calculations stay in your browser.

Compare take-home pay as a contractor: inside IR35 through an umbrella company versus outside IR35 through your own limited company. Editable tax rates, full working shown, nothing leaves your devi...

Put up to three roles side by side: base pay, expected bonus, employer pension, your estimate of other benefits, commuting costs and time, contracted hours, and paid leave. No offer is ranked for you.

Unpaid invoice? UK law lets you charge 8% above the Bank of England base rate plus fixed compensation on overdue business invoices — automatically, even if your contract never mentioned it. Calcula...

Compare the true cost of leasing a vehicle against buying it outright or on finance, over the same term. Accounts for deposit, monthly payments, residual value and what the car is worth at the end.

Calculate monthly loan payments, view complete annual and monthly amortization schedules, and simulate the interest savings of extra principal payments.

💸 Plan your finances: Calculate mortgage, car, personal and student loan payments with amortization schedule. Compare scenarios and save thousands!

Find practical opportunities for local enterprises using a community’s own spending sample. Group purchases by category, compare local and outside supply, and test an editable local-capture scenario.

Loan-to-value = mortgage ÷ property price. UK product tiers often sit at 60, 75, 85, 90, 95%. Deposit is price − loan. Not a lender decision and not advice.

Lenz's law electromagnetic braking exhibit. Drop a strong neodymium magnet down metal tubes; circulating eddy currents oppose motion, creating levitation-like terminal float.

Work out the change from UK coins and notes, then hand the exact coins with the fewest pieces. Learn the greedy method for 1p–£2 and practise 5 rounds. Everything runs on your device.

Convert cost, selling price, markup and profit margin. Markup is profit ÷ cost; margin is profit ÷ selling price. Mix them up and you under-price. Nothing is stored.

Lenders look at two things at once: an income multiple and an affordability stress test at a rate higher than you will actually pay. This works out which of the two bites first for your numbers, th...

See how overpaying cuts your mortgage term and total interest. Add a monthly overpayment, a lump sum, or both, and compare against paying the normal schedule. Full amortisation worked out on your d...

Calculate detailed mortgage payments with amortization schedules, extra payments analysis, and regional comparisons. 💰 Monthly payments • Total interest • Payoff time • Amortization schedule • Reg...

A local, walker-style evolutionary search for copy-signal filters, with a built-in primer on reading gold (XAU/USD) and pairs such as EUR/USD. Import a chronological trade CSV; candidate genomes co...

Complete personal finance dashboard: Track net worth, analyze assets vs liabilities, set financial goals, project future growth, and monitor your journey to financial freedom.

Add weeks or months to the day you hand in notice. UK statutory minimums are 1 week after a month’s service and 1 week per year after two years (capped at 12) — contracts are often longer. This is ...

Spell out a number in British or American English, including the cheque / check form with fractional currency. Handles values from 0 to 999,999,999,999.99. Nothing is sent off this device.

Enter your hourly rate and hours (including overtime at 1.5× or 2×, night or weekend premiums) to see weekly, monthly and annual gross pay, an approximate UK take-home after Income Tax, National In...

Broke before payday? Enter what you have left and what is due, and get a day-by-day survival budget that protects rent, heat and food first — and tells you honestly which bills can be paused or neg...

Networks hide the handset price inside the monthly figure. Put the two deals side by side, apply the annual April price rise, and see the real total — then haggle or walk.

Scale a full-time equivalent salary to part-time hours, or the other way. Uses working hours only — not tax, NI, or pension. UK job ads often quote FTE then “pro rata”.

Quote client projects from real labour, expenses and contingency while protecting a target profit margin. All calculations stay in your browser.

Delay Repay pays you for arriving late — but the clock runs on your arrival at your final destination, not on the departure board, and single, return and season tickets are compensated on three dif...

Work out your UK statutory redundancy pay, notice period, accrued holiday and how much of a settlement is tax-free — with the full age-banded breakdown, year by year. Nothing you enter leaves your ...

Compare the 5-year cost of renting vs buying the same home. Includes mortgage interest, deposit opportunity cost, buying costs, and equity built. Estimates only — not financial advice.

Split rent among roommates, calculate per-person costs, and account for room size differences. Supports multiple currencies and custom splits.

Compare gross yield, net yield and monthly cash flow for a prospective rental property. All calculations stay in your browser.

Estimate your retirement savings growth with compound interest. ⚠️ Educational only — consult a financial advisor.

Work out what survey and get-paid-to sites are actually worth per hour before you give them your evenings. Uses realistic rate bands rather than the “earn £500 a month from your sofa” numbers...

Calculate Return on Investment with advanced metrics and comparisons. Supports annualized returns and multiple currencies.

Years to double ≈ 72 ÷ annual %. At 6% that’s about 12 years; at 9% about 8. The exact figure is ln(2)/ln(1+r). A back-of-envelope for interest, inflation and population — not a guarantee.

Calculate net salary after taxes, deductions, and contributions. ⚠️ Estimates only — consult a tax professional.

Commission from a sale amount and rate, with an optional second-tier rate above a threshold (common in sales plans). Gross figures — tax is not deducted.

Goal + deadline + starting pot → the exact monthly amount. Or tell it what you can afford each month → your finish date. Includes a 3–6 month essential-expenses emergency-fund check and a progress ...

Calculate how much your savings will grow with regular deposits and compound interest.

Build a proper Letter Before Action for an unpaid debt — with statutory interest calculated to the day, a claim-fee estimate and a 14-day deadline. Then copy it into your email or post. Free, local...

Compare real-time decentralized transaction fees, DEX swap overhead, and smart contract execution costs across Solana, Base, Ethereum L1, and Polygon.

Test a member-funded support pot before making promises. Model regular contributions, agreed grants and running costs, add a one-off disruption, and see when the fund crosses its reserve floor.

Reverse a published percentage + pence fee so you know what you keep, or what to charge to net a target. Default rates are the common UK consumer-card / PayPal numbers — your contract may differ.

Track your subscriptions, manage renewals, and optimize spending

Estimate income tax, national insurance, student loan repayments, and take-home pay for UK taxpayers — by week, fortnight, month, quarter or year. Based on 2026/27 UK tax bands.

Check your deposit against the statutory cap, see when it must be protected and returned, and understand the remedies if the landlord gets it wrong. England rules; ask for full compliance history b...

Calculate tips, split bills, and see exactly how much everyone owes. Supports multiple currencies!

Split a restaurant bill fairly: add each dish and tick who shared it, set a service charge or tip, and get an exact per-person total including their proportional share of tax and tip. Handles "I on...

Add A-level, AS and T Level grades to a running UCAS tariff total. Offers are often “BBB (120)” — this is the current A-level band (A* = 56). Always check the course page; some universities ignore ...

Funded hours, Tax-Free Childcare and Universal Credit childcare stack in ways nobody explains at the nursery door — and the difference between them is often more than a car payment. Put in what you...

Work out statutory UK holiday for part-timers, mid-year starters and leavers, and irregular-hours staff — including the 12.07% accrual method. Employers get this wrong constantly. Nothing you enter...

A council Penalty Charge Notice and a private Parking Charge Notice look identical on the windscreen and obey completely different rules: different deadlines, different appeal bodies, different con...

More than one prescription a month? An NHS prepayment certificate caps the cost — but only past the break-even point. Enter your items and see whether paying per item, 3-month or 12-month PPC wins.

Estimate SDLT on residential purchases in England & Northern Ireland using HMRC bands. Covers standard, first-time buyer relief and additional-property surcharge. Estimates only — not tax advice; c...

Shops price things so you cannot compare them: 340 g here, 12 × 30 g there, "3 for £5" on the shelf edge. Put in what is actually on the shelf and this reduces everything to one number. Handles mul...

Add tax to a net price or extract tax from a gross (inc-VAT) figure. Presets cover UK VAT, common EU GST/VAT rates and US-style sales tax. Arithmetic only — not tax advice.

Set the total you are actually willing to spend, choose your guest count, and get a per-category breakdown with sensible starting percentages you can push around. The cost-per-guest number keeps ev...

Set retail and wholesale prices while seeing your margin and the retailer’s margin side by side. All calculations stay in your browser.

Plan, track, and optimize your Christmas gift spending. Avoid overspending with smart budgeting! ✅ Features: Gift ideas, price tracking, comparison shopping, receipt scanning

Track your spending, set a budget, and see where your money goes — simple enough for your first budget

No money to start a business? Start anyway. Tell it your skills, time and tools and it matches you with micro-businesses you can launch for almost nothing — with pricing maths, a 7-day launch plan ...