202 mini-apps · 8 categories · Live UK data

Your complete UK household cost toolkit

Hundreds of interactive mini-apps powered by official UK data. Search by question — not jargon — and get clear, data-backed answers in under a minute.

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Featured Mini Apps

Our top picks

UK tax calculation and financial planning
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UK Take-Home Pay & Tax Optimiser

Get precise calculations of your UK take-home pay including income tax, National Insurance, student loan repayments, and pension contributions. Compare England/Wales vs Scotland tax bands, model salary increases with what-if scenarios, and optimize your tax position with pension planning and inflation comparisons.

5 minutesTry it
UK tax document with calculator
Live

UK 60% Tax Trap Calculator

Real HMRC 2025-26 rates: income tax bands, NI Class 1, student loan thresholds, and the personal-allowance taper (Income Tax Act 2007 s.35). Plots your marginal-rate curve £80k–£140k and shows three pension-contribution scenarios for escaping the 60% wedge.

2 minutesTry it
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Self-Assessment Payment Schedule Calculator UK

Calculate your complete Self-Assessment payment schedule across the next 18 months, including Payment on Account instalments (31 Jan + 31 Jul), balancing payments and the dreaded first-year tax trap. Includes a rolling cashflow forecast with cash cliff detection, SA303 guidance, and Time to Pay eligibility check.

3-5 minutesTry it
UK home with market trends visualization
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Home Buying Affordability Calculator

Make confident home buying decisions with a detailed affordability score based on your income, deposit, and target property value. See how your affordability compares regionally, visualize market trends, and get a side-by-side rent vs buy comparison tailored to your target area in the UK.

5-10 minutesTry it
Mortgage paperwork with house keys and model homes
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Mortgage Reality Check

Model your mortgage payments under different interest rate scenarios (+1%, +2%, +3%) to understand true affordability. See how payments impact your income, budget remaining after essentials, and plan for rate increases.

6 minutesTry it
UK apartment block — leasehold extension
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Leasehold Extension Premium Calculator

Estimate the premium to extend your UK lease by 90 years at peppercorn rent under the Leasehold Reform, Housing and Urban Development Act 1993. Uses standard tribunal valuation (term + reversion + marriage value), regional capitalisation/deferment rates, the Savills-blended relativity graph, and typical fee budgets. Warns on the 80-year marriage-value cliff, doubling ground rent clauses, and the pending 2024 Reform Act commencement.

3-5 minutesTry it
Budget planning and financial management
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UK Budget & Income Planner

Compare how your costs have changed since 2018, analyze your current financial status, and forecast what income you'll need in the future. Get personalized insights on rent trends, mortgage scenarios, and inflation impacts on your household budget.

5-10 minutesTry it
Household budgeting workbook and calculator
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Household Cashflow Reset Planner

Reset your monthly household cashflow with a practical UK-focused plan for bills, budgeting, and financial stability. Compare your baseline spend against modelled savings actions to spot pressure early and avoid shortfalls. Use postcode-linked context, inflation signals, and timeline projections to plan with more confidence. Prioritise the highest-impact steps first, then review and update your plan as costs change. Built for UK households that want clearer monthly budgeting decisions and better cashflow control.

3-5 minutesTry it
UK household energy meter with smart meter display
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UK Energy Tariff Switching Calculator (2026)

Compare the Ofgem Price Cap to fixed-rate energy tariffs for your DNO region, property type and usage. Shows annual savings, break-even cap-reduction threshold, seasonal monthly costs, and exit-fee risk.

3-5 minutesTry it
Budgeting and recurring subscription expense planning
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Subscription Overlap Finder

Map your household subscriptions, identify overlaps by category and usage, and get a clear cancellation plan with projected savings.

3-5 minutesTry it
Parent with young child showing family planning
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Cost of Raising a Child Calculator

Understand the complete financial impact of having a child from birth to adulthood. Get realistic estimates for childcare, education, food, clothing, housing, and more based on your household income, lifestyle, and childcare needs.

5 minutesTry it
UK retiree planning pension drawdown with spreadsheets
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UK Pension Drawdown Tax Calculator (2026)

Model flexible pension drawdown income tax (incl. Scotland's 42%/48% bands), calculate the tax-efficient basic-rate withdrawal level, account for the Personal Allowance taper at £100k–£125,140, and project pot longevity to age 100 under both strategies.

4-6 minutesTry it

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Trusted picks our community is using right now

Parcel with customs declaration label
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UK Import Duty Calculator

Estimate the true cost of importing into the UK. Covers 25 common consumer categories (mapped to HMRC Trade Tariff commodity codes), 14 ECB-published currencies converted at the live mid-market rate via the public Frankfurter API, UK customs duty, import VAT cascading on the duty-inclusive value, and courier handling fees for Royal Mail, Parcelforce, DHL, FedEx and UPS. Handles the £39 gift exemption and £135 commercial threshold, and applies preferential 0% duty for UK trade-agreement origins (Japan, Australia, Canada, South Korea, New Zealand, EU, Switzerland, Singapore).

2-4 minutesTry it
House keys on top of mortgage paperwork
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LISA Withdrawal Penalty Calculator

Calculates the 25% government withdrawal penalty on Lifetime ISA money taken out for non-qualifying reasons, including the "you lose more than the bonus" trap (effective 6.25% net loss), with first-home / age-60 / terminal-illness exemption checks.

3 minutesTry it
Home broadband hardware and contract setup context
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Broadband Contract Exit Cost Calculator

Compare exit fees, switching costs, and future bill savings to see if leaving your broadband contract now is financially worthwhile.

3-5 minutesTry it
UK petrol station and road trip
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Fuel Cost Trip Calculator

Calculate fuel costs for any UK trip by postcode. Compare petrol, diesel, and EV costs with real fuel prices, carbon emissions, and journey breakdown. Uses pre-calculated UK routes for accurate distance estimates.

2-3 minutesTry it
Home internet outage alert on laptop with broadband claim paperwork
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Broadband Outage Compensation Calculator

Calculate compensation for broadband outages, missed engineer appointments, and delayed activations using Ofcom’s automatic compensation scheme rates. Build evidence, review eligibility, and copy a claim-ready summary for your provider.

3-5 minutesTry it
UK apartment block — leasehold extension
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Leasehold Extension Premium Calculator

Estimate the premium to extend your UK lease by 90 years at peppercorn rent under the Leasehold Reform, Housing and Urban Development Act 1993. Uses standard tribunal valuation (term + reversion + marriage value), regional capitalisation/deferment rates, the Savills-blended relativity graph, and typical fee budgets. Warns on the 80-year marriage-value cliff, doubling ground rent clauses, and the pending 2024 Reform Act commencement.

3-5 minutesTry it
Freelancer working on a laptop with invoice paperwork
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Freelancer Day Rate Calculator

Calculate the minimum day rate a UK freelancer must charge to match a previous PAYE salary. Applies HMRC 2025/26 tax rates (Class 4 NI 6%/2%, Class 2 abolished, employer NI 15% above £5,000), an 8% overhead loading, and stress-tests your rate at 70/80/90% utilisation. Compares your rate to ONS Annual Survey of Hours and Earnings (ASHE) percentiles for your SOC 2020 occupation and UK region.

2-4 minutesTry it
NS&I Premium Bonds savings comparison illustration
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Premium Bonds vs Savings After-Tax Calculator (UK, 2026)

The Premium Bonds headline prize rate (4.40%) is the mean of a skewed prize distribution — most small-to-medium holders earn below the median. This tool computes both expected and median Premium Bonds return, then compares against easy-access and fixed-rate savings after Income Tax and Personal Savings Allowance. For higher-rate taxpayers with £20k+ holdings, Premium Bonds usually win — but this shows when they don’t.

3-5 minutesTry it
Parent holding newborn baby
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UK Maternity & Paternity Pay Calculator (2026)

Project SMP, SPP, ShPP and adoption pay week-by-week using 2026 statutory rates (£187.18/week), layered with your employer's enhanced pay policy. See replacement rate vs normal earnings and the shortfall to save for.

3-5 minutesTry it
NHS pharmacy prescription counter
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NHS Help with Health Costs Checker

2-step checker for NHS Low Income Scheme entitlement (HC2 full help / HC3 partial help / not eligible). Tests automatic passporting (UC ≤£435 earnings, IS, JSA-IB, ESA-IR, PCGC, age, pregnancy) then runs the LIS means-test, returning verdict, covered services, annual savings and the right HC1/HC1(SC) form.

4 minutesTry it

Showing 16 of 202 mini-apps

New
Contractor reviewing financial paperwork on a laptop

IR35 Inside vs Outside Calculator

Compare umbrella PAYE and limited-company take-home at the same day rate.

Estimate take-home pay for an inside-IR35 umbrella contract versus an outside-IR35 limited company, including pension, expenses, umbrella margin, Corporation Tax and dividend tax assumptions.

Best for: UK contractors comparing an inside-IR35 offer with an outside-IR35 day rate and negotiating the break-even uplift

  • ✓Inside vs outside net pay
  • ✓Break-even day-rate uplift
  • ✓Pension and expense sensitivity
2 minutes
Negotiating the right inside-IR35 uplift can protect thousands of pounds of annual take-home pay.
Work & Income
Tax
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Application documents and pen on a desk

UK Citizenship and Naturalisation Cost Calculator

Add naturalisation, registration, tests, documents and passports by applicant.

Calculate a family budget for British citizenship applications, including adult naturalisation, child registration, Life in the UK, language evidence, document reserves and optional passports.

Best for: ILR holders and long-resident families planning the final citizenship and passport budget

  • ✓Adult and child applicant costing
  • ✓Test and language evidence reserve
  • ✓Optional passport costs
2 minutes
A family naturalisation application can run into several thousand pounds; seeing the full stack avoids under-budgeting.
Life Events
Budgeting & Planning
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Passport and travel documents on a desk

UK Spouse Visa Total Cost Calculator

Stack spouse visa, IHS, FLR(M), ILR and citizenship costs.

Calculate the long-horizon cost of a UK spouse or family visa route, including application fees, Immigration Health Surcharge, extension, ILR, optional citizenship and the standard income requirement.

Best for: Couples and families budgeting the full UK spouse or family-route immigration pathway before applying

  • ✓Initial visa and IHS stack
  • ✓FLR(M), ILR and citizenship stages
  • ✓Applicant and dependant counts
2 minutes
Budgeting the full route upfront helps avoid being surprised by GBP 10,000-GBP 20,000+ of staged fees over several years.
Life Events
Budgeting & Planning
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High-rise residential building facade

UK Cladding EWS1 Cost and Mortgageability

Estimate remediation exposure, leaseholder cap impact and lender risk.

Screen cladding-affected flats by height, cladding type, property value and qualifying lease status. Estimates cost exposure, Building Safety Act cap impact and likely mortgageability questions.

Best for: Leaseholders, buyers and sellers trying to understand EWS1, PAS9980 and cladding remediation cost exposure before conveyancing

  • ✓Height and cladding risk screen
  • ✓Indicative remediation share
  • ✓Leaseholder cap scenario
3 minutes
Spotting a high-risk cladding issue before exchange can avoid a trapped purchase or unexpected five-figure remediation exposure.
Property & Home
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Pension paperwork and calculator on a desk

DB Pension CETV Worth It Calculator

Sense-check a defined benefit transfer value before regulated guidance.

Compare a defined benefit pension CETV with guaranteed indexed income and a comparable annuity income assumption. Shows the CETV multiple, income gap and regulated-guidance warning.

Best for: Defined benefit pension members preparing questions before an FCA-authorised pension transfer guidance meeting

  • ✓CETV multiple calculation
  • ✓Indexed DB income comparison
  • ✓Annuity-income scenario
2 minutes
A poor transfer decision can cost a household a guaranteed inflation-linked income stream worth hundreds of thousands of pounds.
Retirement & Pensions
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Calculator with pension planning paperwork

UK Pension Carry Forward Calculator

Calculate unused annual allowance from the previous three tax years.

Work out current-year pension headroom, unused carry-forward allowance, tapered annual allowance and estimated tax relief on a planned top-up contribution.

Best for: High earners, self-employed workers and bonus recipients checking how much extra they can contribute to pension this year

  • ✓Four-year allowance stack
  • ✓Tapered allowance warning
  • ✓Top-up tax relief estimate
3 minutes
Using available carry-forward before it expires can unlock thousands of pounds of additional pension tax relief.
Retirement & Pensions
Tax
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UK residential property exterior

UK Equity Release Lifetime Cost Calculator

Project lifetime mortgage roll-up interest and residual estate equity.

Model the long-term cost of equity release using your property value, release amount, interest rate, home-growth assumption and lifespan. Compares lump sum, drawdown and interest-payable structures with a downsizing alternative.

Best for: UK homeowners over 55 considering a lifetime mortgage and wanting to understand estate impact before taking guidance

  • ✓Roll-up interest projection
  • ✓Drawdown and interest-payable modes
  • ✓Estate-equity milestones
3 minutes
Testing rate and lifespan scenarios before guidance can prevent tens of thousands of pounds of unexpected estate erosion.
Retirement & Pensions
Property & Home
New
Dental treatment chair in a modern clinic

NHS Dentist Finder and Band Charges

Check NHS dental band charges, exemptions and private-cost savings.

Map a dental treatment to the NHS England band charge, apply common exemption statuses and compare the result with your private quote. Includes a direct link to the official NHS dentist search for your postcode.

Best for: Adults and families trying to understand NHS dental charges and compare them with private treatment quotes

  • ✓NHS band charge mapping
  • ✓Common exemption handling
  • ✓Private quote savings comparison
1 minute
NHS Band 2 or Band 3 treatment can be hundreds of pounds cheaper than a private quote for fillings, crowns or dentures.
Health & Wellness
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Hospital corridor with emergency care signage

A&E Wait Time Comparator

Add travel plus wait time for A&E, urgent treatment and NHS 111.

Compare local A&E, urgent treatment centre and NHS 111 options using the travel and wait estimates you can verify locally. Emergency safety guidance remains visible so urgent symptoms are not reduced to a queue-time decision.

Best for: People with non-life-threatening symptoms deciding whether A&E, a UTC or NHS 111 is the safest first step

  • ✓Travel plus queue-time comparison
  • ✓NHS 111 and emergency safety guidance
  • ✓No fabricated live queue data
1 minute
A suitable UTC can save 30-180 minutes versus A&E for minor injuries, while keeping 999 guidance explicit for emergencies.
Health & Wellness
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UK train at a railway platform

UK Train Split Ticket Calculator

Compare direct rail fares, split-ticket legs, railcard payback and driving cost.

Use live ticket quotes to compare a direct UK rail fare with legal split-ticket legs, railcard savings and the all-in cost of driving. The calculator avoids stale sample fares by using the prices you enter from National Rail, train operators or retailers.

Best for: UK rail travellers checking whether split tickets beat a through fare and whether a railcard pays back on the same route

  • ✓Direct vs split-ticket comparison
  • ✓Railcard payback in trips
  • ✓Driving cost benchmark from your own inputs
2 minutes
Split-ticketing can save GBP 10-GBP 80+ on longer intercity trips when the train calls at the split station.
Transport
New
UK railway platform with departures board

UK Train Delay Repay Calculator

25 UK TOCs, real DR15/DR30 tiers, exact compensation and claim deadline.

Real Delay Repay scheme for 25 UK train operators (Avanti, GWR, LNER, Northern, ScotRail, Southeastern, Thameslink, Southern, SWR, c2c, Greater Anglia, TPE, CrossCountry, EMR, WMR, Chiltern, Gatwick Express, Heathrow Express, TfW, Merseyrail, Grand Central, Hull Trains, London Overground + more). DR15/DR30 tier ladders, ATOC season-ticket formula, approval-rate benchmarks from ORR consumer report.

Best for: Anyone delayed 15+ minutes on a UK train, especially commuters with season tickets — and people unsure of which scheme their operator uses.

  • ✓25 UK TOCs with real DR15/DR30 tier ladders
  • ✓ATOC season-ticket per-journey formula (annual ÷ 464)
  • ✓ORR-published approval-rate benchmarks per operator
2 minutes
A regular commuter on a £6,000 season ticket experiencing a single 30-minute delay can claim ~£6.47; ten delays a year ~£65. A weekly leisure traveller on £85 returns recovers ~£42 per significant delay.
Transport
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Old television set close-up showing static

UK TV Licence Requirement Checker

Do I need a TV licence? Five questions, statutory answer.

Real Communications Act 2003 + 2004 Television Licensing Regulations rules (with 2016 iPlayer + 2020 Pension Credit amendments). Current £174.50 fee, all concessions covered: free over-75 + Pension Credit, blind/sight-impaired 50%, ARC £7.50.

Best for: Anyone unsure whether their viewing habits require a licence — and households cancelling unnecessary licences to save the £174.50 annual fee.

  • ✓Statutory verdict with section/regulation citation
  • ✓2025-26 fee £174.50 + all concession amounts
  • ✓iPlayer rule (2016) and over-75 rule (2020) modelled
1 minute
For households who don't watch live TV or iPlayer — full £174.50/year saved by submitting a No Licence Needed declaration. ~9% of UK households legitimately go without.
Bills & Utilities
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UK tax document with calculator

UK 60% Tax Trap Calculator

See the £100k personal-allowance taper in pounds — and how to escape it.

Real HMRC 2025-26 rates: income tax bands, NI Class 1, student loan thresholds, and the personal-allowance taper (Income Tax Act 2007 s.35). Plots your marginal-rate curve £80k–£140k and shows three pension-contribution scenarios for escaping the 60% wedge.

Best for: High earners between £100,000 and £125,140 adjusted income — and anyone weighing bonus-sacrifice into pension to dodge the trap.

  • ✓Real HMRC 2025-26 rates and thresholds
  • ✓rUK + Scottish bands modelled
  • ✓Marginal-rate curve £80k–£140k
2 minutes
For a £125,000 earner, 20% pension contribution rebates the entire £12,570 PA and saves ~£15,000 of trap-rate tax — net + pension increase by ~£8,000-£10,000.
Tax
New
UK parking ticket in plastic wallet on a windscreen

UK PCN Appeal Calculator

Should I appeal my parking fine? Probability-weighted maths.

Probability-weighted expected cost of paying vs appealing a UK Penalty Charge Notice. Uses real Patrol Annual Report and Traffic Penalty Tribunal contravention-code success rates, plus the statutory Traffic Management Act 2004 escalation ladder (14-day discount → charge certificate → TEC → bailiff).

Best for: Anyone who has just received a parking PCN, weighing the 14-day 50% discount against the chance of winning at tribunal — and wanting the maths laid out.

  • ✓20+ real DfT contravention codes with tribunal success rates
  • ✓Statutory escalation ladder (TMA 2004) with current-stage marker
  • ✓Mitigating-circumstance probability uplifts
2 minutes
For a code-21 (suspended-bay) PCN with photo evidence, appealing has a 70%+ chance of cancellation — saving the entire £130+. For a code-05 (overstayed) ticket, paying within 14 days saves £65 and avoids a likely lost appeal plus £200+ in escalation.
Transport
New
Estate agent For Sale board outside a UK home

UK Estate Agent Fee Calculator

High street vs online vs hybrid — adjusted for fall-through risk.

Compare the three real UK estate-agency models — high-street commission (1.5%+VAT), online flat-fee (Purplebricks/Yopa £999–£1,999) and hybrid deferred (small upfront + 0.6%) — adjusted for your postcode's fall-through rate so a cheaper headline fee doesn't mislead you.

Best for: Sellers about to instruct an agent, comparing online vs traditional, or pushing back on a high-street quote.

  • ✓Three real selling models priced side-by-side
  • ✓Regional median sale time and fall-through rate by postcode
  • ✓Probability-weighted expected net (not just headline fee)
1 minute
On a £400,000 home, switching from a 1.5%+VAT high-street agent to an online flat-fee or hybrid model saves £4,500–£5,500 — even after pricing in the higher fall-through risk.
Property & Home
New
Solicitor signing property paperwork on a desk

UK Conveyancing Fees Calculator

Itemised solicitor + search + Land Registry costs.

Solicitor base fees, search disbursements, HM Land Registry charges, leasehold and new-build supplements — itemised for buying, selling, buying-and-selling and remortgaging across England, Wales, Scotland and Northern Ireland.

Best for: Anyone reading a conveyancing quote and wondering whether the line items are reasonable, or budgeting before instructing a solicitor.

  • ✓Statutory HM Land Registry fees (Fee Order 2021, e-filing scale 1)
  • ✓Solicitor base-fee bands for England, Wales, Scotland and NI
  • ✓Every standard search disbursement itemised
1 minute
On a £300,000 freehold purchase, the cheapest UK conveyancers charge £400-£700 less than the priciest for an identical job — easily £500 saved by getting 3 written quotes.
Property & Home

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