EXPLORE THE NUMBERS
Everyday money
Clear calculations for pay, borrowing, VAT and long-term saving. Assumptions always in view.
Tools to help you plan
4 free calculatorsCALCULATOR
Compound interest
See how an initial balance and monthly contributions could grow at a fixed illustrative rate.
Use calculatorCALCULATOR
Loan repayment
See your monthly payment, total interest and total repaid with a clear, fixed-rate calculation.
Use calculatorCALCULATOR
UK salary take-home
Estimate monthly take-home pay for 2026/27, with separate Scottish Income Tax bands.
Use calculatorCALCULATOR
VAT
Add VAT to a net price or remove it from a VAT-inclusive total.
Use calculatorKnow what goes into the cost
PRACTICAL GUIDE
Read the assumptions behind a savings projection
The rate, contribution timing and compounding period all affect the result.
Reviewed 8 Oct 2026 PRACTICAL GUIDEWhy removing VAT is not a 20% discount
A short worked example that prevents a common quote-comparison error.
Reviewed 8 Oct 2026