Free Money Tools for the UK & USA
25 live calculators and generators for tax, mortgages, pensions, ISAs, 401(k)s, invoices, contracts and more — each engineered around the actual 2026 rules of your country. Flip the toggle, get your answer.
25 tools. Every one of them live.
Filter by category. Every tool opens on its own page with full instructions, methodology and FAQs — and adapts to your selected country automatically.
Income Tax Calculator
UK PAYE (incl. Scotland) or US federal brackets + FICA. Full take-home pay breakdown for 2026.
Use free tool → LIVE FinanceCapital Gains Tax Calculator
UK 18%/24% CGT with the £3,000 exempt amount, or US short vs long-term rates with the 0/15/20% brackets.
Use free tool → LIVE FinanceMortgage Affordability Calculator
How much can you borrow? UK income multiples + stress test, or US 28/36 DTI rules — with monthly payments.
Use free tool → LIVE FinanceRetirement Planner
Project your pension or 401(k) to retirement, including employer match, growth and the income it buys.
Use free tool → LIVE FinanceISA vs Roth IRA Optimizer
UK: Cash vs Stocks & Shares vs Lifetime ISA. US: Roth vs Traditional IRA with phase-out checks.
Use free tool → LIVE FinancePension Transfer Advisor
UK DB→DC transfer checklist with the £30k advice rule, or US 401(k) rollover options compared — with cash-out tax warning.
Use free tool → LIVE FinanceLoan & Card Comparison
Compare two loans or cards side by side — monthly payment, total interest and true lifetime cost.
Use free tool → LIVE FinanceBudget Planner
Map your spending against the 50/30/20 rule, spot the overspend, and see your true monthly surplus.
Use free tool → LIVE FinanceSavings & Cash Optimizer
Compare easy-access vs fixed vs ISA (UK) or HYSA vs CD vs T-bills (US) — after tax, for your balance.
Use free tool → LIVE FinanceFreelance Rate Calculator
Turn a target income into the day and hourly rate you must charge — after tax, expenses and holidays.
Use free tool → LIVE FinanceSide Hustle Income Tracker
Tax on income alongside your job — UK £1,000 trading allowance & Self Assessment, or US 1099 + quarterly estimates.
Use free tool → LIVE FinanceStudent Loan Repayment Planner
UK Plan 1/2/4/5 repayments with write-off dates, or US payoff timelines with extra-payment savings.
Use free tool → LIVE FinanceNet Worth & Asset Tracker
Add your assets and debts, get your net worth with a breakdown — saved privately in your browser.
Use free tool → LIVE FinanceDebt Payoff Planner
Snowball vs avalanche, simulated on your real debts — payoff dates, interest totals and the winner.
Use free tool → LIVE FinanceInheritance & Estate Tax Calculator
UK IHT with nil-rate bands, residence band and the 7-year taper — or US federal estate tax with the 2026 exemption.
Use free tool → LIVE FinanceStamp Duty / Transfer Tax Calculator
UK SDLT bands with first-time buyer relief and the +5% surcharge, or US transfer taxes + closing costs.
Use free tool → LIVE Legal & BusinessContract Generator
Generate an NDA, freelance or service agreement with UK or US jurisdiction clauses — copy or print instantly.
Use free tool → LIVE Legal & BusinessWill & Testament Drafter
Draft a simple will with executors, guardians, gifts and residue — with the right witnessing rules for your country.
Use free tool → LIVE Legal & BusinessInvoice Generator
Create a professional invoice with VAT (UK) or sales tax (US) handled correctly — print or save as PDF.
Use free tool → LIVE Legal & BusinessBusiness Name Generator
Generate 24 brandable business names from your keyword, with one-click domain and trademark checks.
Use free tool → LIVE LifestyleVisa Eligibility Checker
Answer five questions, get a realistic shortlist of UK visa routes or US visa categories to research.
Use free tool → LIVE LifestyleReal Estate ROI Calculator
Gross & net yield, cap rate, cash-on-cash return and the 1% rule — judge any rental deal in seconds.
Use free tool → LIVE LifestyleBuy-to-Let Property Analyzer
After-tax landlord profit: UK Section 24 (personal vs limited company) or US Schedule E with depreciation.
Use free tool → LIVE LifestyleEnergy Bill Reducer
Answer a few questions about your home and habits — get a ranked savings plan with realistic £/$ amounts.
Use free tool → LIVE LifestyleMeal Planner
A 7-day dinner plan matched to your diet and budget, with a combined grocery list — metric or imperial.
Use free tool →Same life decisions. Wildly different rules.
A few of the differences our tools handle automatically — using 2026/27 UK and 2026 US thresholds.
Income Tax
Retirement Limits
Capital Gains
Property Purchase Tax
Estate & Inheritance
Self-Employment
Not your average calculator site.
Common questions
Are all 25 tools really free and live?
Yes. Every tool on this site is live, fully working and free to use — calculators, generators and planners alike. There's no sign-up, no paywall and no 'coming soon'.
Which tax years do the calculators use?
UK tools use the 2026/27 tax year (6 April 2026 – 5 April 2027). US tools use official IRS figures for the 2025 and 2026 tax years, selectable where relevant. Each tool states its assumptions in the explanation under the results.
What happens to the numbers I enter?
Nothing leaves your device. Every calculation runs in your browser with JavaScript — we don't store inputs or results, and there are no accounts. The optional net worth save uses your own browser's local storage only.
How is the site different for UK and US users?
The 🇬🇧/🇺🇸 toggle in the header switches every tool's logic, not just the labels: HMRC bands, National Insurance, ISAs and SDLT for the UK; IRS brackets, FICA, 401(k)/IRA limits and state taxes for the US.
Can I rely on these results for filing taxes or legal decisions?
The tools use published official thresholds and standard methods, making them excellent for planning and understanding. They aren't a substitute for professional advice — for filings and high-stakes decisions, confirm with a qualified accountant, adviser or lawyer.
Will more tools and countries be added?
Yes — the toolkit grows based on what users ask for. Have a suggestion? Email us via the contact page.