Tools & calculators

Every tool explains its methodology openly — check the assumptions, then check your quote. Nothing you enter is sent anywhere: it stays in your browser unless you choose to copy it out.

Investing, Pensions & Retirement

Financial Literacy Test Twenty questions on investing, tax and long-term wealth, with honest scoring and constructive feedback. Only 23% of UK adults pass a basic version. Learning Financial Planner Model your savings, pensions and investments over time and see when your plans become reality. Investing Marginal Tax & Take-Home Calculator What your next £1 really costs — income tax, NI, student loans, the 60% trap and the child benefit charge — and what £1 into your pension via salary sacrifice is actually worth. Tax Investment Fee Impact Calculator Fees are the one part of investing you control with certainty. See what your platform and fund charges cost in pounds over decades — whatever the market does — and find the pot size where a flat-fee platform beats a percentage one. Investing Mortgage: Overpay or Invest? Overpaying is a guaranteed return; investing usually earns more — but not always. See the break-even growth rate for your mortgage, with ISA, pension, taxable-account and offset options modelled honestly. Mortgages Benefits Pre-Checker Two minutes to find out whether you — or your mum or dad — are missing Pension Credit or Attendance Allowance worth £4,000 a year or more. Nothing entered is stored. Benefits

Home Energy

Home Energy Test Twenty questions on insulation, heat pumps, solar, batteries and smart tariffs — find the knowledge gaps before they cost you money. Learning Solar & Battery ROI Simulator Honest payback estimates with uncertainty ranges — and a quote checker that flags inflated installer pricing before you sign anything. Home energy