Financial tools to help you plan smarter.

Money Engine helps people in the UK explore savings strategies and compare financial outcomes using practical calculators and planning tools.

Use the tools below to model retirement, salary take-home, savings growth, household budgeting, debt payoff, student loans, and property purchase costs.

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

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Retirement Planner

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

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Take-Home Salary Calculator

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

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Compound Interest

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

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Budget Planner

Track monthly income and spending to identify savings opportunities.

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Mortgage Overpayment

Test how overpayments may reduce interest and shorten your term.

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Emergency Fund Planner

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

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Debt Payoff Planner

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

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Student Loan Planner

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

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Stamp Duty Calculator

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