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Resources

Plain-English articles on the big UK money questions, each with a calculator so you can get your own numbers.

Earn

8 guides

Take-home pay, tax codes and salary sacrifice, explained.

All 8 guides
  • Student loan repayments: how much you actually pay
  • Marriage Allowance: what it is worth, and when it costs you
  • What does my tax code mean?

Buy a home

10 guides

Mortgages, deposits, loan-to-value and stamp duty, explained.

All 10 guides
  • Average stamp duty by region
  • Stamp duty on second homes
  • How much deposit do I need for a mortgage?

Get out of debt

6 guides

Credit cards, balance transfers and payoff plans, explained.

All 6 guides
  • Debt management plans explained
  • How to clear credit card debt
  • How balance transfers work

Build wealth

16 guides

Savings, pensions, ISAs and investing, explained for the long game.

All 16 guides
  • The pension tax-free lump sum: 25%, and what it costs you
  • The pension annual allowance, and the two tests that reduce it
  • Tax on savings interest: how much you can earn tax free

Business & tax

8 guides

VAT, corporation tax, dividends and capital gains, explained.

All 8 guides
  • Capital gains tax on property: what you pay and when
  • Capital gains tax on shares
  • Salary vs dividends: how to pay yourself

Earn

Take-home paySalary sacrificeBudget

Buy a home

Mortgage affordabilityMortgage repaymentsLoan to value (LTV)Stamp dutyMortgage overpayment

Get out of debt

Debt payoffCredit card repaymentLoan repayments

Build wealth

SavingsSavings goalCompound interestInflationPensionFIRENet worthRental yield

Business & tax

VATCorporation taxDividend taxCapital gains tax
calcd

Free UK money calculators. Get the number, no faff. Every figure is an estimate to help you plan, not financial advice, and should be confirmed with HMRC, your lender or a qualified adviser before you commit.

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© 2026 calcd. Estimates only, not financial advice. Rates checked against HMRC guidance.