The loan term is the single biggest driver of total cost, more so than the interest rate. This guide explains how terms work across product types, how to match the term to the purpose, and when the product route shifts from unsecured to secured lending. All figures are illustrative.
Answer a short set of questions about what you need to borrow, how much, whether you own a property, and your credit profile, and the tool suggests the borrowing types most likely to suit your situation. Each result links to the relevant guide, calculator, and eligibility checker. The tool does not assess eligibility or recommend specific products. All suggestions are based on general suitability.
Select one or more energy efficiency improvements, enter your annual energy spend, and see the estimated annual saving, simple payback period, and 10-year net position. Stack multiple improvements to see the combined effect with diminishing returns modelled. Includes a financed payback panel showing the net monthly position if the improvement is funded by a loan, a carbon reduction estimate, and current government grant information. All figures illustrative.
Compare the financial outcome of buying a property versus continuing to rent over the same period. Models equity build, stamp duty, maintenance costs, investment growth on the deposit, and the monthly cash flow difference. Includes a breakeven timeline, sensitivity panel for house price growth assumptions, and a full cost breakdown. All figures illustrative, using 2025/26 stamp duty rates.
Enter your pension pot and target annual income to see how long the pot lasts under three drawdown strategies: fixed withdrawal, inflation-adjusted, and percentage-of-pot. Includes a State Pension offset, tax-free lump sum modelling, sustainability thresholds, and a depletion chart showing all three strategies side by side. All figures illustrative, based on 2025/26 rates.
Compare PCP, Hire Purchase, and a personal loan side by side on the same vehicle price. See which has the lowest monthly payment, which costs least overall, and what you own at the end. Includes a balloon payment breakdown, depreciation context, equity position comparison, and PCP mileage cost note. All figures illustrative.
Enter your salary, select your student loan plan and pension contribution, and see your monthly and annual take-home pay after income tax, National Insurance, student loan, and pension deductions. Covers England, Wales, Northern Ireland, and Scotland, with a marginal rate insight, salary sacrifice comparison, and full tax band breakdown. All figures illustrative, based on 2025/26 rates.
Calculate your net worth by entering assets across three liquidity categories and liabilities across six types. The tool shows your net worth, a liquidity breakdown, leverage ratio, optional year-on-year trajectory, and approximate benchmarks by age group based on ONS Wealth and Assets Survey data.
Calculate land transaction tax for property purchases across England and Northern Ireland (SDLT), Scotland (LBTT), and Wales (LTT). Choose your buyer type, select your nation, and enter the purchase price to see the tax due, the full marginal band calculation, and the threshold negotiating insight that shows whether a small price reduction could save a meaningful amount in tax.
Compare the true cost of using savings or an ISA versus taking a loan for a purchase or expense. The tool shows the foregone compound growth of withdrawing from savings alongside the total loan interest cost, across your chosen period, so the lower-cost option is clear rather than assumed.
Find out the true daily cost of a loan by dividing total interest across the full term. Enter a loan amount, APR, and term to see the daily cost, everyday comparisons, how the daily cost changes across different APRs and terms, and what the total interest would be worth if saved or invested instead.
Map your monthly income against 15 spending categories across the needs, wants, and savings and debt buckets, and see how your actual split compares against the 50/30/20 rule. Includes a gross income toggle with simplified tax calculation, a rebalancer showing what changes would bring each bucket back on target, and a surplus allocation panel projecting what consistent saving of any leftover income could produce over five years.
See how monthly payments on a variable-rate loan or mortgage would change across six rate rise scenarios, from +0.5% to +3%. Enter your current balance, rate, remaining term, and monthly income to get an affordability-coded comparison, the cumulative extra cost over the remaining term, and an optional overpayment offset panel showing how reducing the balance now changes the picture under rate rises.
Compare the financial outcome of directing a fixed monthly amount toward debt repayment versus saving, across your chosen period. The tool shows net worth at the end of the period under each strategy, a split allocation panel covering four options, and a peace of mind toggle for when the non-financial case for debt clearance matters as much as the numbers.
See how inflation reduces the real purchasing power of a sum of money over time. Set a starting amount, a number of years, and an inflation rate to find out what the money would buy in today’s terms at the end of the period, what savings rate is needed to keep pace, and how the same mechanism works in reverse for fixed-rate debt.
Work out how long it will take to save your house deposit, what the true upfront cost of buying will be including stamp duty, and how your deposit size affects the LTV band you would fall into. Includes shared ownership modelling, a household income affordability check, and an illustrative SDLT calculation for England and Northern Ireland.
Plan the monthly saving needed to reach any savings goal by a chosen date. Set your target amount, current savings, any lump sum you can put in now, and your timeline. The tool shows your monthly saving requirement, how saving a little more each month compresses the timeline, and what to do if the gap cannot be closed by saving alone.
Work out how long it will take to build your emergency fund based on your monthly expenses, current savings, and monthly saving amount. Set your target cover period (3, 6, 9, or 12 months), see milestone dates along the way, and use the variable income toggle if your earnings are irregular.
Find out how much you need to save each month to reach your retirement pot target. Set your current age, retirement age, target amount, and expected return, then use the State Pension toggle and contribution growth slider to see how different variables change the monthly figure.