Free Financial Calculators
Free tools to help you understand your finances. Planning tools require a free Fynla account.
Income Tax Calculator
Calculate your UK income tax and National Insurance contributions
Pension contributions reduce your taxable income
Results
Enter your income and click Calculate to see results
Mortgage Repayment Calculator
Calculate your monthly payments, total cost, and amortisation breakdown
Monthly Payment
Capital and interest
Loan Amount
Loan to Value
Total Repaid
Total Interest
Your Loan to Value is above 90%. Fewer mortgage deals are available at this level and rates tend to be higher. A larger deposit would improve your options.
With interest-only, you still owe the full at the end of the term. You'll need a repayment strategy.
Capital vs Interest Over Term
Enter your mortgage details to see your repayment breakdown
Loan Repayment Calculator
Calculate monthly payments and total interest on personal loans
Results
Enter your loan details and click Calculate to see results
Emergency Fund Calculator
Calculate how much you should save for emergencies (3–6 months of expenses)
Results
Enter your expenses and savings to see your emergency fund status
Pension Growth Calculator
Project your pension pot at retirement with regular contributions
Including employer contributions and tax relief
Typical range: 4–7% for balanced portfolios
Projection
At 4% withdrawal rate:
Annual Income
Monthly Income
Enter your pension details to see your retirement projection
Student Loan Repayment Calculator
Estimate your monthly repayments, total cost, and when your loan will be cleared
Monthly Repayment
at your current salary
Time to Repay
Total Repaid
Total Interest
Write-off Date
Loan likely to be written off
Based on your salary and growth projections, your loan balance of would be written off after years. You would repay of the original balance.
Loan fully repaid
You would clear your loan in before the -year write-off period.
Enter your loan details to see your repayment projection
Savings Goal Calculator
See how long it takes to reach your savings target with compound interest
Time to Reach Goal
Total Contributions
Interest Earned
Savings Growth Over Time
Enter your savings details to see your projection
Mortgage Affordability Calculator
Estimate how much you could borrow based on your income
Loans, car finance, credit card minimums, etc.
Estimated Maximum Borrowing
at 4x income
at 4.5x income
Maximum Property Price by Deposit
10% deposit
15% deposit
20% deposit
Lenders assess affordability differently — this is a guide only. Your actual borrowing will depend on credit history, outgoings, and lender criteria.
Enter your income details to see what you could borrow
Stamp Duty Calculator
Calculate Stamp Duty Land Tax, Land and Buildings Transaction Tax, or Land Transaction Tax
Breakdown by Band
First-time buyer relief saves you compared to standard rates.
Additional property surcharge of 5% has been applied to all bands.
Non-UK resident surcharge of 2% has been applied to all bands.
Enter a property price to see the stamp duty breakdown
Compound Interest Calculator
See how your money grows over time with the power of compound interest
Final Value
Total Contributions
Growth Earned
Growth Over Time
Enter your investment details to see projected growth
Personal Loan Calculator
Calculate your monthly repayments and total cost of borrowing
Monthly Repayment
Total Repaid
Total Interest
The APR (Annual Percentage Rate) may differ from the interest rate as it includes any fees. Always check the APR when comparing loan offers.
Enter your loan details to see your repayment breakdown
Pension Withdrawal Tax Calculator
See how much tax you'll pay when withdrawing from your pension
State pension, employment, rental income, etc.
Net Amount Received
Tax-Free Portion
Taxable Portion
Income Tax Due
Effective Tax Rate
Taking large lump sums can push you into higher tax bands. Consider spreading withdrawals across tax years to reduce the overall tax burden.
Enter your pension withdrawal details to see the tax impact
Pension Tax Relief Calculator
See how much tax relief you get on your pension contributions
Total Pension Contribution (Gross)
Your Contribution (Net)
Government Top-Up (20%)
Additional relief:
With net pay, your full relief is applied automatically through your payslip. No self-assessment claim needed.
Enter your contribution details to see your tax relief
Ready for comprehensive financial planning?
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