Wealthfare.

Free money tools

Every tool is free, needs no sign-up, and runs entirely in your browser. Not sure where to start? Take the Money Health Check and it will point you at the right one.

Take-home pay calculator

What your salary actually pays after tax, NI, pension and student loan.

Emergency fund calculator

Your target buffer in pounds, and how long it will take to build.

Debt payoff planner

Avalanche vs snowball: when you will be clear, and the interest you save.

Mortgage overpayment calculator

What an extra monthly payment does to your term and total interest.

Savings goal planner

Soon

Turn an amount and a date into the monthly number that gets you there.

Pension contribution checker

Soon

What your match is worth, and what raising contributions costs you in real take-home.

ISA and savings rate checker

Soon

What your idle cash earns now vs a competitive rate, in pounds per year.

Compound interest calculator

What investing monthly grows into over 10, 20, 30 years.

Budget breakdown

Soon

A ten-minute picture of where last month's money actually went.

Subscription audit checklist

Soon

Find the recurring payments you forgot you were making.

Income protection guide

Soon

What happens if you cannot work, and the cheapest ways to cover the gap.