Make clearer money decisions before you commit.

Use practical calculators and plain-English guidance to pressure-test debt plans, mortgage choices, tax estimates and savings goals before you act. Results are general estimates for planning, not personal financial advice.

Start with the decision you need to make

Each area combines estimates with context so you can compare options, understand trade-offs and decide what to check next.

Property

Work out whether the payment, deposit and upfront costs fit the purchase you are considering before you start comparing products.

Trust and transparency

Pages are built to show assumptions, limits and follow-up checks clearly so you can use the result as a decision aid rather than a black-box answer.

Debt and borrowing

See how interest, payment size, fees and product changes alter the real cost of borrowing before you choose a repayment route.

Everyday calculators

Use focused tools for common checks when you already know the question and just need a reliable estimate.

Start with what you’re trying to figure out

Choose a category below to explore tools and practical guides designed to help you make better financial decisions.

    Practical tools. Trusted guidance. Clearer financial decisions.

    MyFinanceTools is an independent UK resource built to help you make sense of everyday money decisions. Our calculators and guides simplify complex financial topics so you can compare options, plan ahead and understand what to check before you commit.

    • Our tools are free to use and built to help you understand your options.
    • Results are estimates based on the information you provide and standard formulas.
    • Financial products, rates and lender criteria vary. Always check the latest terms and eligibility with the provider.
    • We focus on practical financial clarity, not regulated financial advice.
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    How our calculations work

    Built on standard UK financial principles

    Standard formulas

    Our tools use standard UK financial formulas commonly used across the industry.

    Clear assumptions

    Where assumptions are required, we state them clearly within each tool.

    Compare options

    Calculations are designed to help you compare scenarios and understand potential outcomes.

    Educational tools

    Our calculators are educational in nature and not a substitute for advice.

    Explore all calculators

    Popular financial guides

    Expert guides to support your decisions

    View all guides

    Common money decisions

    Where are you on your financial journey?

    Paying off debt

    Calculate repayments and see how quickly you can become debt free.

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    Buying a home

    Work out affordability, deposits and monthly mortgage payments.

    Explore tools

    Working out tax

    Estimate income tax and understand your take-home pay.

    Explore tools

    Building savings

    See how regular saving can help you reach your goals.

    Explore tools

    Planning repayments

    Compare loan and mortgage repayment options.

    Explore tools

    Built for UK financial planning

    UK-focused. Accurate. Up to date.

    Financial decisions in the UK are shaped by changing rules, rates and regulations. Our tools reflect the factors that matter most.

    Tax rules change

    We factor in current UK tax thresholds, which can change each tax year.

    Lender rules vary

    Affordability assessments and lending criteria differ between providers.

    Savings products differ

    Interest rates and terms vary across banks and building societies.

    Borrowing costs vary

    Rates depend on your credit profile and market conditions.

    Plan with confidence

    Our tools help you estimate, compare and plan with more confidence.

    Trusted sources we reference

    GOV.UKHM Revenue & CustomsFCABank of EnglandMoneyHelper

    We reference official UK sources to help keep our information accurate and reliable.