Get an honest answer in two minutes
Real UK numbers: pension, mortgage, take-home, ISA. Pick the question that's on your mind today.
Free, no login. Each calculator gives you one number. That's the point.
Every 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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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.
CalculateAll calculators
Everything you need to answer your financial questions.
Retirement
Will my pension last?
Will your money last as long as you do? Get a number, not a guess, in two minutes.
- Years of runway shown
- State pension included
- Probability of success
- One clear answer
When can I retire?
Year and month precision. Models State Pension age and the bridge years in between.
- Personalised age
- Bridge years modelled
- PLSA tier presets
- Shareable result card
Am I on track for retirement?
Plan your retirement with UK pension pots, employer match and tax relief all in.
- Pension pot projection
- Monthly savings needed
- State pension integrated
- Income gap analysis
When can I stop working?
Calculate when your savings could replace your salary. Track your FIRE number.
- FI number
- Coast FI milestones
- Savings rate
- Timeline to freedom
Mortgage & property
How much sooner can I be mortgage-free?
Calculate your UK mortgage payments and see what overpayments actually save.
- Overpayment scenarios
- Interest saved
- Months off the term
- Affordability check
Should I overpay my mortgage or save?
Side-by-side chart with the crossover point and a verdict for your 2026 rate spread.
- Side-by-side chart
- ISA vs taxable
- Crossover point
- Verdict for your numbers
Savings & ISA
Where are the best savings rates right now?
Top UK cash savings rates, updated daily from leading providers.
- Daily updated rates
- Easy access & fixed term
- Provider comparison
- Direct apply links
How much do I need to save each month?
Hit your savings target, whether it's a house deposit or a wedding.
- Target amount
- Monthly savings
- Interest projection
- Timeline to goal
How much will my savings grow?
Compound interest over time with regular contributions.
- Compound growth
- Regular contributions
- Year-by-year breakdown
- Visual growth chart
Can I use my ISA allowance?
Calculate your ISA savings and tax savings for the current tax year.
- Allowance tracking
- Tax-free growth
- Cash & S&S ISA
- Tax savings comparison
Cash, savings or shares: where should £20k go?
See where £20,000 ends up across cash, fixed savings and a S&S ISA over 5, 10 and 20 years.
- Current UK rate snapshot
- 5/10/20-year projections
- Decision-tree guidance
- Recommended split
Tax & income
What's my real take-home pay?
Net income after tax, National Insurance, pension and student loan.
- Income tax breakdown
- National Insurance
- Student loan plan 1/2/4
- Salary sacrifice options
How much tax am I paying?
Income tax liability with a breakdown by UK tax band.
- Tax band breakdown
- Effective tax rate
- Taxable income
- Annual & monthly views
How much will I repay on my student loan?
Repayment schedule for Plan 1, 2 and 4 plus early-repayment impact.
- Plan 1, 2, 4 support
- Repayment timeline
- Extra payment impact
- 30-year write-off
What did inflation do to my money?
See how inflation has changed UK prices and your purchasing power.
- Bank of England CPI data
- Historical comparison
- Purchasing power
- Inflation chart
Compound & growth
What does compound interest look like?
See your investments grow exponentially with regular contributions.
- Investment growth
- Compound frequency options
- Regular contributions
- Year-by-year detail
What does my pension grow into?
Visualise compounding with UK tax relief on pension contributions.
- UK tax relief
- Auto-enrolment employer match
- Visual growth chart
- Embeddable widget
Often used together
Most people don't need one calculator. They need a sequence. Here are the journeys other visitors have taken.