UK Personal Finance Tools

Plan your retirement.
Understand your money.

Free browser-based tools for UK retirement and financial planning. No sign-up, no server, no ads — your numbers stay on your device.

All data stays in your browser UK 2026/27 tax rules No account required
Available now
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Income Planner
Retirement suite
Model your private pension, Stocks and Shares ISA, and State Pension together. Find out when you can retire and whether you'll hit your monthly income target. Includes tax-optimised drawdown strategy and full year-by-year table.
live →
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Fund Tracker
Retirement suite
Log your pension fund values over time and see actual growth earned across multiple funds. Track period-by-period gains, mark transfers, and compare funds side by side with charts.
live →
Coming soon
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FIRE Calculator
Retirement suite
Find your FIRE number using the 4% rule, adjusted for UK tax. Answers "how big does my pot need to be to stop working?" — with a year-by-year drawdown projection.
coming soon
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Salary Sacrifice Optimiser
Tax planning
See exactly how much tax and NI you save by increasing pension contributions via salary sacrifice, versus keeping the cash as take-home pay.
coming soon
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Mortgage Payoff Calculator
Property
Model overpayments on your mortgage. See interest saved, years cut off, and whether overpaying beats investing in your ISA at a given return rate.
coming soon
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ISA Allowance Tracker
Tax planning
Track how much of the £20k annual ISA allowance you've used across Cash and Stocks & Shares ISAs. Get a running total and deadline reminder.
coming soon
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Emergency Fund Tracker
Budgeting
Set your monthly expenses target and track how many months of cover your emergency fund provides. Log contributions and see your progress to 3–6 months.
coming soon
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Net Worth Tracker
Budgeting
Log assets and liabilities over time. See your net worth trend, asset allocation breakdown, and how your balance sheet evolves month by month.
coming soon
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All data stays in your browser. Every tool on this site uses localStorage — your numbers are never sent to a server, never shared with third parties, and never used for any purpose other than showing you your own data. Close the tab and your data persists; use a private/incognito window and it won't.