Your complete resource for personal finance calculations. Plan your savings, compare loans, calculate investment returns, and manage your money with our free, accurate calculators. All tools are designed for UK financial products and regulations.
Calculate how your savings will grow over time with compound interest. Plan regular deposits and see how small amounts add up to significant savings.
Calculate compound interest growth with regular or lump sum deposits.
Compound InterestCalculate simple or compound interest on any amount over any period.
FlexibleProject tax-free ISA growth with your £20,000 annual allowance.
Tax-FreeSee how inflation affects purchasing power over time.
Real ValueCompound interest is often called the "eighth wonder of the world" because it allows your money to grow exponentially. Here's how £10,000 grows at different rates over time:
| Years | 3% Interest | 5% Interest | 7% Interest |
|---|---|---|---|
| 5 years | £11,593 | £12,763 | £14,026 |
| 10 years | £13,439 | £16,289 | £19,672 |
| 20 years | £18,061 | £26,533 | £38,697 |
| 30 years | £24,273 | £43,219 | £76,123 |
The key is starting early - time is your biggest advantage with compound interest.
Calculate loan repayments, compare different terms, and understand the true cost of borrowing before you apply.
Calculate monthly repayments and total interest for personal loans.
Personal LoansCompare HP, PCP, and loan options for vehicle finance.
Auto FinanceCalculate mortgage payments, interest, and total cost over the term.
Home LoansCreate a debt repayment plan using snowball or avalanche methods.
Debt FreeProject investment growth, calculate returns, and plan for your financial goals with our investment tools.
Project growth of investments over time with regular contributions.
Long-TermCalculate return on investment percentage for any investment.
ReturnsCalculate profit/loss on share purchases including fees.
SharesEstimate your pension pot at retirement with employer contributions.
RetirementManage your money better with budgeting calculators and financial planning tools.
The ISA allowance for 2025/26 is £20,000 per tax year. This can be split between a Cash ISA, Stocks & Shares ISA, Innovative Finance ISA, and Lifetime ISA. The Lifetime ISA has its own £4,000 limit (counts towards the £20,000) with a 25% government bonus for first-time home buyers or retirement.
Compound interest means you earn interest on both your original deposit and previously earned interest. For example, £1,000 at 5% annual interest becomes £1,050 after year 1, then £1,102.50 after year 2 (5% of £1,050), and so on. The more frequently interest compounds, the faster your money grows.
Your loan APR (Annual Percentage Rate) depends on several factors: your credit score, the loan amount, loan term length, whether it's secured or unsecured, and the lender's criteria. Better credit scores and secured loans typically get lower rates. Always compare the APR rather than just the interest rate, as APR includes fees.