Free calculators

Quick, free answers to the big money questions — when you could retire, whether your money will last, your State Pension age, inheritance tax on pensions, pension or ISA, take-home pay, stamp duty, student loans and overpaying the mortgage — worked out with UK tax and today's allowances. No account needed.

Each calculator uses the same UK rules as the full planner: 2026/27 income tax and National Insurance, Scotland’s own income tax rates, the £12,570 personal allowance and how it shrinks above £100,000, the State Pension, tax-free cash from pensions, student loan thresholds, stamp duty, LBTT and LTT, inheritance tax (with pensions counting from April 2027) and the State Pension age timetable. The odds in Will my money last? come from the planner’s own market simulation.

Everything is in today’s money, so you can compare the answers with what things cost now. Each page explains what the calculator assumes and the rules behind it, walks through a worked example, and answers the questions people most often ask.