Now with free AI analysis on every calculator

The real cost of
life's biggest decisions

15 free calculators built on ONS, GOV.UK, and HMRC data — plus a free AI advisor that explains your results and gives you a personalised action plan. No sign-up, no cost, ever.

Built on ONS & GOV.UK data AI advisor on all 15 tools Free PDF checklist per calculator 100% private — nothing stored
14
free calculators
AI
analysis on every tool
110
in-depth guides
$0
cost — ever
AI-Powered Analysis

Every calculator now has a free AI advisor built in

After you enter your numbers, ask the AI to explain what they mean — in plain English, with a specific action plan for your situation. Zero cost to you, ever.

🏠 Home Buying Calculator
Purchase price $425k · 10% down · 6.85% rate · 1.1% property tax
AI Analysis: Your Year-1 true cost is $58,200 — 40% above what most buyers budget. The biggest surprise is your PMI at $3,600/yr which disappears the moment you hit 20% equity. Putting an extra $18,500 down eliminates it and saves $3,600 annually — breakeven in 5.1 years.
💳 Debt Payoff Calculator
Credit card 26.99% · Personal loan 14.5% · Extra $200/mo
AI Analysis: Avalanche method saves you $4,230 in interest vs. snowball. At your 22% bracket, paying that 26.99% card is a guaranteed 21% after-tax return — better than any stock market bet. You're debt-free in 2y 4m.
🔥 FIRE Calculator
Age 32 · Income $95k · Savings rate 28% · $180k saved
AI Analysis: Your FIRE number is $1.875M at $75k/yr spend. At this savings rate you hit it in 14.3 years, age 46. The single biggest lever: increasing your savings rate by 5% cuts 2.8 years off your timeline.
No account required No data stored Results in seconds Available on all 15 calculators

Pick your life event

Each tool covers a situation where the real cost surprises nearly everyone.

Career

Remote Work True Cost Calculator

Commute savings, home office costs, meals, clothing — see your real annual net.

Avg. $6,100/yr savings
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AI
Starting Out

Salary Negotiation Calculator

See the lifetime earnings impact of negotiating and compare to BLS market benchmarks by field.

Lifetime impact: $150K–$500K
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AI
Starting Out

Debt Payoff Calculator

Avalanche vs. snowball comparison with your real debts — total interest saved and months to debt-free.

Avg. credit card APR: 21.76%
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AI
Starting Out

Emergency Fund Planner

Personalized target based on job stability, income type, and health situation — with savings plan.

Median EF: $3,000 (too low)
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AI
Building Wealth

Compound Interest Calculator

What a starting amount and monthly contributions grow to — split into what you paid in and what the market added.

Growth is usually over half the total
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AI
Career

FIRE Calculator

FIRE number, years to financial independence, Social Security impact, and portfolio projection.

$1.5M–$3M typical FIRE target
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AI
Real Estate

Rent vs. Buy Calculator

True 5 & 10-year comparison with opportunity cost, appreciation, break-even timeline, and net wealth.

Break-even typically 5–8 years
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AI
Growing Family

Wedding Cost Calculator

Itemized budget estimate by guest count, region, and style — with real data from 12,000+ couples.

US avg. wedding: $35,000
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AI
Growing Family

Having a Baby True Cost Planner

State-specific year-one estimate: childcare, medical, gear, and parental leave lost wages.

Avg. $21,000–$50,000 yr 1
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AI
Growing Family

Pet Cost Calculator

Year-one setup, annual recurring costs, and lifetime total — including the vet bills most people miss.

Dogs: $15,000–$55,000 lifetime
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AI
Building Wealth

Car True Cost of Ownership

True 5-year cost: depreciation, insurance, fuel, maintenance, and financing. New vs. used vs. EV.

New cars lose 20% yr 1
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AI
Building Wealth

Home Buying True Cost Calculator

Closing costs, PMI, property taxes, HOA, insurance, and maintenance — the complete year-one picture.

$29,500 avg. yr-one hidden costs
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AI
Building Wealth

College True Cost Calculator

Tuition, room & board, loan interest, and opportunity cost — the real 4-year total.

Avg. $190,000–$320,000 true total
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AI
Health

Chronic Illness Annual Cost Calculator

Beyond copays — medications, lost work, and lifestyle changes. The true annual burden.

Up to $12,000+ hidden costs
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AI
Later Life

Aging Parent Care Financial Planner

In-home care, assisted living, memory care — and the career impact on the family caregiver.

Avg. $54,000/yr assisted living
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AI

Find tools for where you are in life

Built differently

Real data sources

Every default value cites ONS, GOV.UK, and HMRC, or peer-reviewed research — not a "reasonable estimate" from thin air.

100% private

Everything runs in your browser. We never see your numbers. No account, no tracking of your inputs, ever.

Ready in 2 minutes

Pre-loaded with national averages. Change only what applies to you. Results update instantly as you type.

Free AI analysis

Every calculator includes a free AI advisor — enter your numbers, click Analyse, and get a plain-English explanation plus 3 personalised action steps.

Recent financial guides

View all articles →
Real Estate 9 min read

First-Time Buyer Stamp Duty Relief: What You Actually Pay

First-time buyer SDLT in England and NI: nothing to £300,000, 5% to £500,000, nothing above it. Who qualifies, the cliff edge, Scotland and Wales.

Real Estate 8 min read

Stamp Duty Surcharge Refund: Reclaiming After You Sell

Paid the 5% additional-property surcharge before selling your old home? Reclaim it in full — the three-year rule, the claim deadline, and how to apply.

Real Estate 10 min read

Capital Gains Tax When You Sell a UK Property

CGT on a UK property sale in 2026/27: the 18% and 24% rates, the £3,000 allowance, the 60-day deadline, and what Private Residence Relief covers.

Real Estate 9 min read

The Lifetime ISA, and the Two Traps In It

How the Lifetime ISA works in 2026/27: the £4,000 limit, the 25% bonus, the £450,000 cap frozen since 2017, and the exit charge that costs more than the bonus.

Family 9 min read

The Cost of Raising a Child in the UK

What raising a child to 18 costs in the UK — the CPAG figures, why a lone parent pays more, and what Child Benefit and funded childcare take off the total.

Real Estate 8 min read

How Much Can You Borrow? UK Mortgage Affordability in 2026

The 4.5× salary rule is widely misunderstood — it caps lenders, not you. How income multiples.

Real Estate 9 min read

Renting vs Buying in the UK (2026): The Real 5-Year Numbers

The honest UK rent-vs-buy comparison — deposit, stamp duty, mortgage interest and maintenance against rent and the opportunity cost of your deposit.

Real Estate 6 min read

Wales LTT Higher Rates 2026: Second Homes & Buy-to-Let

The higher residential rates of Land Transaction Tax for additional properties in Wales — the 5%-17% bands from 11 December 2024.

Real Estate 6 min read

Scotland ADS 2026: the 8% Second-Home Surcharge

The Additional Dwelling Supplement on Scottish second homes and buy-to-let: 8% of the whole price, the £40,000 threshold, the 18-month repayment rule.

Real Estate 7 min read

The Cost of Selling a House in the UK (2026): Full Breakdown

What it really costs to sell a UK home — estate agent fees (~1.42% inc VAT), conveyancing, EPC, removals, mortgage exit fees and CGT on second homes.

Later Life 7 min read

UK AVC Pension Top-Ups 2026/27: Cost and Tax Relief

What Additional Voluntary Contributions are, the £60,000 annual allowance, how tax relief makes £100 in your pension cost £80/£60/£55 by tax band.

Real Estate 7 min read

UK Stamp Duty Rates by Year (2014-2026)

A clear history of UK SDLT: the 2014 slice reform, the 2016 additional-property surcharge, the 2020-21 holiday, the 2022 threshold rise.

Free calculators. Free AI. Free PDF checklists.

Enter your numbers, get your real costs, ask the AI what they mean — and download a personalised checklist PDF. All free, always.