Honest Numbers in Minutes
Free UK financial calculators to answer your money questions. The calculators below need no login. Pick the question that applies to you today.
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Not sure where to begin? Pick the situation closest to yours.The question you've been avoiding
If you retired today, would your money last? Find out in two minutes.
CalculateNever quite got around to the pension
See how much you've actually saved and what it might mean for retirement.
CalculateGot a pay rise, not sure what to do
Calculate your actual take-home pay and see where the extra could go.
CalculateMortgage offer on the table
See how much you could save by overpaying or switching deals.
CalculateEvery calculator here answers one question. None of them answer yours.
A withdrawal rate, a mortgage overpayment, a pension pot: each is one number in isolation. Delphina holds them together, so you can see whether the whole thing actually holds.
See your full pictureFree plan, no card required. Connected accounts and longer forecasts are paid.
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Everything you need to answer your financial questions.
Retirement Planner UK Calculator
Plan your retirement with our free UK calculator. Estimate your pension pot, see how much you need to save, and project your retirement income.
- Pension pot projection
- Monthly savings calculator
- State pension integration
- Income gap analysis
UK Savings Rates Calculator
Compare the latest top UK cash savings rates. Updated daily from leading providers to help you maximise your returns.
- Daily updated rates
- Easy access & fixed term
- Provider comparison
- Direct apply links
Will I Run Out of Money Calculator
Project when your savings might be depleted and see your financial runway. Understand if your wealth will last through retirement.
- Wealth depletion projection
- Years of runway
- State pension integration
- Actionable recommendations
Cost of Living Calculator
See how inflation has impacted prices over time in the UK. Understand the real value of your money and purchasing power changes.
- Bank of England CPI data
- Historical price comparison
- Purchasing power analysis
- Inflation chart
Savings Goal Calculator
Calculate how much you need to save monthly to reach your savings target. Plan for specific financial goals like a house deposit or car.
- Target amount planning
- Monthly savings required
- Interest projection
- Timeline to goal
Savings Calculator
See how your savings will grow over time with regular contributions and compound interest. Project your wealth accumulation.
- Compound interest growth
- Regular contributions
- Year-by-year breakdown
- Visual growth chart
Take Home Pay Calculator
Calculate your net income after all UK deductions including tax, National Insurance, pension, and student loan repayments.
- Income tax breakdown
- National Insurance
- Student loan integration
- Salary sacrifice options
Student Loan Repayment Calculator
Calculate your UK student loan repayment schedule and see how much you will pay overall. Explore early repayment strategies.
- Plan 1, 2, and 4 support
- Repayment timeline
- Extra payment impact
- 30-year write-off
Compound Interest Calculator
See the power of compound interest on your investments over time. Understand how your money can grow exponentially.
- Investment growth projection
- Compound frequency options
- Regular contributions
- Detailed breakdown
Compound Growth Calculator
Visualise how your investments compound over time with UK tax relief on pension contributions. See your wealth grow exponentially.
- UK tax relief integration
- Auto-enrolment employer match
- Visual growth chart
- Embeddable widget
Financial Independence Calculator
Calculate your path to financial independence. See when you could stop working for money based on your savings rate.
- Independence number calculation
- Coast FI milestones
- Savings rate analysis
- Timeline to freedom
When Can I Retire? Calculator
See when you could retire, with year-and-month precision. Models State Pension age, the bridge years, and PLSA tier presets.
- Personalised retirement age
- Bridge years modelled
- PLSA tier presets
- Shareable result card
Cash vs Investment Calculator
See where your £20,000 could go across cash, fixed savings and a stocks and shares ISA over 5, 10 and 20 years.
- Current UK rate snapshot
- 5, 10 and 20-year projections
- Decision-tree guidance
- Recommended split
Mortgage Payoff Calculator
Calculate your UK mortgage payments, explore overpayment strategies, and see how quickly you could become mortgage-free.
- Monthly payment calculation
- Overpayment strategies
- Affordability estimates
- Rent vs buy comparison
Mortgage vs Savings Calculator
Should you overpay your mortgage or save? See the side-by-side chart, crossover point, and a verdict tailored to your 2026 rate spread.
- Side-by-side trajectory chart
- ISA vs taxable savings
- Crossover point analysis
- Verdict tailored to your numbers
ISA Calculator
Calculate your ISA savings and tax savings. See how much you can save tax-free with Individual Savings Accounts.
- Annual allowance tracking
- Tax-free growth projection
- Cash & stocks & shares ISA
- Tax savings comparison
Income Tax Calculator
Calculate your UK income tax liability with detailed breakdown by tax band. See exactly how much tax you pay.
- Detailed tax band breakdown
- Effective tax rate
- Taxable income calculation
- Annual & monthly views