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Calculators and tools

Free tools to help you work out repayments, tax and growth before you make a decision, and to get the paperwork out of the way afterwards. No sign-up, no email required.

Buying and borrowing

Work out what a purchase really costs and what you could borrow, before you talk to a lender.

Tax and business admin

Everyday tax and invoicing tools for employees, sole traders and small businesses.

Self-employed and looking to borrow? See how we work with non-standard income

Saving and growth

Project how savings, super and investments build up over the long run.

Considering property as an investment? Compare your options

Why we build these tools

Most financial decisions come down to a number you cannot easily picture: what a rate rise does to your repayments, what a pay rise actually leaves in your pocket, or what a small monthly deposit turns into after twenty years. These tools exist to make those numbers visible before you commit, not after, and to take the admin off your desk once you have. They are free to use, we do not ask for your details to see a result, and nothing you enter leaves your browser.

Using the results

Every calculator here produces an estimate based on the assumptions you enter, and the invoice generator formats what you type without checking it. Real lender assessments, tax assessments and investment returns depend on details a calculator cannot see, including your full financial position, lender policy and the specific product you choose. Treat the output as a starting point for a conversation rather than a quote, and talk to us when you want the numbers checked against your actual situation.

One conversation, no pressure.

Tell us what you are planning. We will map out your options and explain what they mean for you.

Talk to us