Self Wealth Management

Free UK financial tools

The clarity to decide for yourself.

Twenty-four UK calculators, an Academy of plain-English courses, and personalised insights from your own numbers. All for free.

Get started free Explore the Academy

24 calculators2026/27 tax yearfree to use

Take-home pay, instantly

England · 2026/27

Annual salary

£

Income tax−£6,486

National Insurance−£2,594

Monthly take-home£2,993/mo

Effective deduction rate 20.2%Full breakdown →

Every calculator, one board.

Built for the 2026/27 UK tax year

Income & everyday money 05

Take-home pay Adjusted net income Emergency fund Monthly budget Student loan repayments

Pensions & retirement 07

Can I retire yet?Pension growth Pension tax relief Annual allowance DB pension input amount Deferred pension Tax relief modeller

Investing, property & debt 07

ISA growth Inflation Capital gains tax Chargeable event gain Stamp duty Debt & mortgage repayment Overpay or invest

Protection & family 05

Life cover Income protection Free childcare Child benefit Inheritance tax

24 calculators · plus a net worth dashboard, goals and an AI assistant · freeOpen the app →

Money, explained in plain English.

The Academy covers investing, pensions, taxes, and more. Short courses written for UK savers, starting from the basics.

Explore the Academy Read the blog

01Why you investInflation, compounding, and what cash really costs you
02Accounts & wrappersISAs, pensions, and GIAs — where each pound should live
03Building a portfolioFunds, risk, and allocation without the mystique
04Advanced strategyTax efficiency, rebalancing, and drawdown planning

Ready to run your own numbers?

Free to use. Built for UK residents.