Four calculators that model UK student loans, mortgages, car finance and your pay packet properly — so you can see which choice genuinely leaves you wealthier, not just which one feels right.
Each calculator is built on real UK rules and updates live as you change your numbers.
UK student loans aren’t normal debt. We model income-based repayments, RPI interest and the write-off date, then compare four strategies side by side so you know which builds the most wealth.
Personal Contract Purchase hides a lot. We break down the monthly payment, the optional final “balloon”, total interest and the real cost of ownership — and compare PCP against a loan or paying cash.
The biggest money question most homeowners face. We model your real mortgage — repayment or interest-only, fixed-then-SVR rates, the 10% overpayment rule — and show whether overpaying or investing the same cash leaves you wealthier by the end of the term.
Enter your salary and see the full picture: Income Tax, National Insurance, pension and student loan — all stripped out, with the real keep-rate. Models England/Wales/NI and Scottish bands.
Real thresholds, repayment rates, RPI interest and write-off timelines — updated from a central config each year.
Drag a slider and every chart, figure and recommendation updates instantly. No “calculate” button.
Plain-English verdicts that explain the why — not scare tactics or get-rich-quick nonsense.
Everything runs in your browser. Your salary and balances never leave your device.
Start with whichever applies to you. Every tool is free, takes a couple of minutes, and might change what you do with the next few thousand pounds.