Make calculated
financial decisions.
Free online financial calculators for loans, salaries, inflation, budgeting and investing. Make calculated decisions with numbers you can check.
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Loan payment calculator
Monthly payment, total cost and interest.
Advanced budget planner
Turn weekly, monthly and annual costs into one clear household budget.
Household budget
50/30/20 rule, UK average and savings tips.
UK salary / take-home
After Income Tax and National Insurance.
Compound interest
Grow savings with regular contributions.
Inflation calculator
How inflation erodes the value of money.
Rent vs buy
Which is cheaper over the long run.
Bill Prioritiser
Sort UK debts by consequences, not interest rate, and see what to tackle first.
Free Debt Advice Locator
Find free charity, government and regulated debt help for your UK nation.
Benefits Checker UK
Match your circumstances to benefits worth checking, then use the right calculator.
Debt / card payoff
Time to clear a debt and total interest.
Car running costs
Monthly and yearly cost of owning a car.
Percentage calculator
Percent of a number, share and change %.
EV vs petrol
Compare electric vs petrol running costs.
Car lease
Lease payment, buyout and total cost.
Car depreciation
How much a car loses and how fast.
Used vs new car
Which is cheaper: depreciation vs repairs.
Statutory Sick Pay
Weekly and total SSP under 2026/27 rules.
Self-employed tax
Income Tax, Class 4 NI and take-home.
VAT calculator
Add or remove VAT from an amount.
Holiday entitlement
Statutory leave and pro-rata accrual.
Savings interest
Compound growth and interest after tax.
Mortgage overpayment
Time and interest saved by overpayments.
Redundancy pay
Statutory entitlement by age and service.
Maternity pay
SMP weekly rates and 39-week total.
UK tax rates 2026/27
Income Tax, NI, VAT and SSP — reference table.
Salary: UK vs Poland vs Latvia
Same salary, three tax systems — side by side.
About these calculators
Finrato is a set of free financial calculators built around one idea: most money decisions get easier once you can see the numbers. Every tool on this page runs entirely in your browser — nothing you type is sent to a server, stored, or shared, which is why the calculators also keep working offline once the page has loaded. UK tax figures follow the official rates published on GOV.UK.
The calculators use the same standard formulas that banks and financial planners use: annuity amortisation for loan payments, monthly compounding for savings growth, discounting for inflation, and current UK tax bands for take-home pay. Underneath each calculator you will find a plain-English guide explaining how the calculation works, a worked example with real numbers, and the traps that catch people most often.
How to get the most out of them
Don’t stop at one result — the real value is in comparing scenarios. Run your loan at two different terms and look at the total interest, not the monthly payment. Test your rent-vs-buy decision at zero house-price growth as well as the optimistic case. Check what your savings look like if you start today versus in two years. The difference between those runs is usually the answer you were looking for.
One honest caveat: these tools are for information and planning, not personal financial advice. They apply standard rules to the numbers you enter; they cannot know your full circumstances. For decisions with serious consequences — mortgages, pensions, debt problems — use the results to prepare good questions, then talk to a qualified adviser. If you spot anything that looks wrong, please tell us — corrections ship fast.