Free calculators for loans, salaries, inflation, budgeting and investing.
Start calculating →Monthly payment, total cost and interest.
Turn weekly, monthly and annual costs into one clear household budget.
50/30/20 rule, UK average and savings tips.
After Income Tax and National Insurance.
Grow savings with regular contributions.
How inflation erodes the value of money.
Which is cheaper over the long run.
Sort UK debts by consequences, not interest rate, and see what to tackle first.
Find free charity, government and regulated debt help for your UK nation.
Match your circumstances to benefits worth checking, then use the right calculator.
Time to clear a debt and total interest.
Monthly and yearly cost of owning a car.
Percent of a number, share and change %.
Compare electric vs petrol running costs.
Lease payment, buyout and total cost.
How much a car loses and how fast.
Which is cheaper: depreciation vs repairs.
Weekly and total SSP under 2026/27 rules.
Income Tax, Class 4 NI and take-home.
Add or remove VAT from an amount.
Statutory leave and pro-rata accrual.
Compound growth and interest after tax.
Time and interest saved by overpayments.
Statutory entitlement by age and service.
SMP weekly rates and 39-week total.
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.
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.
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.