Financial tools and articles to help you plan smarter.

Money Engine provides free UK calculators, tools and financial articles. Build a financial profile, plan your retirement, calculate your take home salary, understand your budget, pay off debt, and more.

Important: Money Engine provides UK financial planning calculators and modelling tools for illustration. Results depend on the information you enter and are not regulated financial, tax or investment advice.

Precision tools for your wealth

Financial Profile

Net worth snapshot and 30-year projections from income, home, savings and debts.

Retirement Planner

Model pension growth, withdrawals, and plan variants to compare outcomes.

Take-Home Salary Calculator

Estimate net annual and monthly pay using UK tax and NI assumptions.

Compound Interest

Visualise long-term savings growth from regular deposits and returns.

Budget Planner

Track monthly income and spending to identify savings opportunities.

Mortgage Overpayment

Test how overpayments may reduce interest and shorten your term.

Emergency Fund Planner

Work out your target buffer and timeline based on essential costs.

Savings Tracker

Log ISA, cash and pension balances over time with snapshot history and a line chart.

Debt Payoff Planner

Compare snowball and avalanche strategies and see your debt-free date.

Student Loan Planner

Estimate Plan 1, 2, 4, 5 and Postgraduate repayments and write-off.

Stamp Duty Calculator

Estimate SDLT, LBTT or LTT on a UK property purchase with a band breakdown.