The Money Makeover

Simple UK

Free, easy-to-use calculators for your personal finances. Work out your salary, plan your savings, and manage your money with confidence.

Accurate Calculations

Up-to-date UK tax rates and financial rules

Simple to Use

Plain English explanations, no jargon

Mobile Friendly

Works perfectly on all devices

Choose Your Calculator

Select the calculator that matches your financial planning needs

Salary Calculator

Work out your take-home pay after tax and National Insurance

  • UK tax rates for 2024/25
  • Scotland tax options
  • Student loan deductions
  • Pension contributions
Start Calculating

Savings Calculator

Plan your savings goals and see how compound interest works

  • How much can I save?
  • How long to reach my goal?
  • How much to save monthly?
  • Visual growth charts
Start Calculating

Mortgage Deposit Calculator

Calculate how long it will take to save for your house deposit

  • Deposit amount needed
  • Timeline to save
  • Interest on savings
  • Different deposit percentages
Start Calculating

Mortgage Overpayment Calculator

See how much you could save by paying extra on your mortgage

  • Interest savings
  • Time saved
  • One-off or regular payments
  • Comparison charts
Start Calculating

Debt Repayment Calculator

Create a plan to pay off your debts using proven methods

  • Debt snowball method
  • Debt avalanche method
  • Multiple debt tracking
  • Debt-free date
Start Calculating