Free planning tools
Smart Money Calculator
Readable financial calculators for debt, pensions, retirement, investing, mortgages, and wealth planning. Change the assumptions, compare scenarios, and make the next decision clearer.
Featured calculator
UK Pension Salary Sacrifice Calculator
Estimate take-home pay, tax, NI, student loans, and pension impact.
Tax
Compare deductions
Take-home
See pay impact
Pension
Model growth input
Calculator library
Pick the decision you are working on.
Every calculator is designed for quick scenario modelling with clear assumptions and mobile-friendly controls.
Debt Reduction Calculator
Model payoff timelines, overpayments, and interest saved.
Wealth Growth Calculator
Project compounding growth from deposits and extra contributions.
Retirement Savings Calculator
Estimate retirement savings from contributions and compounding.
Mortgage Comparison Tool
Compare mortgage choices side-by-side across cost and payoff time.
Portfolio Diversification Visualizer
Inspect allocation balance across asset classes.
UK Pension Salary Sacrifice Calculator
Estimate take-home pay, tax, NI, student loans, and pension impact.
Pension vs ISA Calculator
Compare UK pension and ISA saving paths using tax and access assumptions.
Readable assumptions
Inputs and results are labelled in plain English.
Fast comparisons
Change a few numbers and see the scenario shift.
Mobile friendly
Layouts are designed for real phone use, not just desktop.