๐ค For individuals
Tools for individuals
Budget, borrow, save and invest โ your own money, planned step by step.
Financial Journey โ Individuals
Start hereA 4-step interactive guide โ build your budget, calculate your debt, project your savings with compound interest, and set your asset allocation. Everything connected in one journey.
Plan your money
Budget, debt and savings
Take-Home Pay
UK salary after income tax, NI, pension and student loan โ or the salary you need for a take-home target.
Personal Budget
Monthly income, 8 expense categories, savings rate and spending breakdown.
Life Plan
Your money year by year with a home, a baby, a career break or retirement on the timeline โ Plan A next to Plan B.
Compound Interest
See how initial capital and monthly contributions grow. Historical market benchmarks included.
Investment Return (XIRR)
Your real annual return on money paid in and taken out on different dates, and the same money replayed in an index you choose.
Lending Calculator
Loan amortisation schedule and mortgage analysis with early repayment strategy.
Invest
Market data from Yahoo Finance. Nothing is recommended โ you choose the tickers.
Planning for a business instead?
Go to business tools โ