202 mini-apps · 32 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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Trusted picks our community is using right now

UK homes with stamp duty and keys context
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UK Stamp Duty Calculator (2026)

Calculate SDLT (England & NI), LBTT (Scotland) and LTT (Wales) with first-time buyer relief, 3%-6% additional-property surcharge, and 2% non-UK resident surcharge — band-by-band breakdown.

2-3 minutesTry it
UK residential property showing council tax planning
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Council Tax Band Checker & Estimated Savings Tool

Discover if your property is in the correct council tax band and find out how much you could save by challenging it. Compare your costs with regional averages, see neighboring postcode variations, and get historical challenge success rates for your area.

3 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
Credit card and calculator on desk
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UK Credit Card Payoff Planner (2026)

Compare three UK credit card payoff strategies side-by-side — minimum payments, fixed monthly, and 0% balance transfer — showing payoff time, total interest, total paid and the transfer-fee break-even month.

3-5 minutesTry it
UK road and train commute imagery
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UK Commute Cost Calculator

Calculate your true UK commute cost including transport, time value, lifestyle drift, health and productivity. Compare transport modes and see annual, career, and lifetime impact to retirement.

3-4 minutesTry it
Fuel pump with price display at gas station
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Fuel Price Finder

Search by UK postcode, compare station fuel prices across types, and estimate how much each refill could cost based on your tank size.

3-6 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
Financial growth and investment planning
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Investment Growth Planner

Calculate investment projections with real UK inflation data. Compare low/medium/high risk scenarios and see the impact of time, contributions, and fees. Set goals or project future wealth.

5-10 minutesTry it
Graduation cap and diploma
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Is University Worth It? (Degree ROI Simulator)

Model subject-level earnings, Russell Group effects, regional salary differences, and UK Plan 2 loan repayments to see if a degree pays off versus apprenticeships or working straight after school.

4 minutesTry it

New this month

Fresh mini-apps added to the Toolbox

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
DWP Migration Notice paperwork
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UC Transitional Protection Calculator

Calculates the Transitional Element top-up for managed migration to Universal Credit from legacy benefits (Tax Credits, ESA, JSA, Income Support, Housing Benefit) per the Universal Credit (Transitional Provisions) Regulations 2014. Includes 24-month erosion forecast and cliff-edge alerts.

8 minutesTry it
Hospital corridor with medical staff
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UK Healthcare vs Peer Nations Benchmark

Benchmarks the NHS against peer nations using OECD Health Statistics and Commonwealth Fund data: PPP-adjusted spend per capita, % GDP, doctors and nurses per 1000, hospital beds, life expectancy, cancer survival, waiting times and out-of-pocket spend — with consistent reference years and explainer panels.

6 minutesTry it
UK map showing four nations
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UK 4-Nation Cost of Living Comparator

Compares net disposable income across the 4 UK nations for the same household — modelling Scottish income-tax bands (6 vs 3), Welsh Rates of Income Tax, prescription charges (England only), tuition fee regimes by domicile, council tax versus Northern Ireland domestic rates, and water charges.

6 minutesTry it
NHS pharmacy shelves with prescription medicines
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NHS ICB Prescribing Cost Explorer

Explore NHS primary-care prescribing spending across the 42 English Integrated Care Boards using NHSBSA data. Resolve postcode → ICB, compare cost-per-item, top BNF chapters and 12-period trends versus the England average, and drill into the most prescribed drugs by chapter.

5 minutesTry it
UK flats block residential building
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UK Right to Manage (RTM) Leasehold Cost Calculator

Estimates upfront Right to Manage (RTM) costs, per-leaseholder share, eligibility under CLRA 2002 (≥2 flats, ≥75% residential, ≥50% participation, ≥66% long lease), annual service-charge savings, and 10-year cumulative payback projection. Built on LEASE statutory framework and RICS-aligned cost benchmarks.

7 minutesTry it
EV charging at home with solar panels
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UK Green Grid Appliance Planner

Combines National Grid ESO 48-hour carbon intensity forecast with live Octopus Agile, Go, Cosy, Intelligent and Tracker tariff prices to recommend optimal start times for EVs, dishwashers, washing machines and heat pumps. Aggregates daily £ and kg CO₂ savings versus a "run now" baseline.

5 minutesTry it
UK town centre with workers
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UK Town Job Market Profiler

Compares UK towns by employment rate, median earnings (residence-based), claimant unemployment, top occupations (SOC) and sector concentration (HHI) — built on ONS NOMIS data (APS, ASHE, BRES, claimant count). Side-by-side postcode comparison with national benchmarks and 1–10 year trends.

5 minutesTry it
UK polling station ballot box
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UK Voter Registration & Election Deadline Checker

Personalised view of upcoming UK elections, registration deadlines, voter ID requirements (2023 Elections Act), Voter Authority Certificate, and postal/proxy options. Filtered by your postcode and citizenship status — UK, Commonwealth, EU retained-rights, overseas, service voter.

4 minutesTry it
Seismograph reading
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UK Earthquake & Tremor Tracker

Tracks UK earthquakes and tremors using live British Geological Survey (BGS) OpenGeoscience data. Filters by postcode, radius (10–500 km), magnitude and time window. Shows event map, magnitude timeline, and expected building impact for typical UK construction.

3 minutesTry it
About the Toolbox

Hundreds of AI-powered mini-apps. One trusted answer.

Each mini-app combines advanced AI models with live, official UK data — Ofgem tariffs, ONS prices, HMRC rules and more — to give you a precise answer to a real money question.

  • 202+ AI-powered mini-apps

    Calculators, comparisons, planners and risk checks — growing every week.

  • Search by question, not jargon

    Type what you want to know. We surface the right mini-app instantly.

  • Official UK data, refreshed

    Pulled from Ofgem, ONS, HMRC, Bank of England, Ofcom, DVLA, DEFRA and DfT.

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    Your inputs stay on your device. Free to use, no account needed.

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
New
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
New
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 advice.

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

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

  • ✓Roll-up interest projection
  • ✓Drawdown and interest-payable modes
  • ✓Estate-equity milestones
3 minutes
Testing rate and lifespan scenarios before advice 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
New
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
New
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
New
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
New
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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