Know exactly where
your money goes.
Precise UK calculators for take-home pay, pensions, and savings — and a personalised plan that models your finances to retirement. Every number computed live, privately, in your browser.
Try it — your take-home pay
2026/27Monthly take-home
£2,393Yearly
£28,720Deductions
17.9%
12
Free calculators
£0
Cost, forever
90s
To your first result
100%
Private — runs in your browser
Your personal financial plan in 10 minutes
Answer a few questions and get a personalised plan with cashflow projections, goal tracking, and smart recommendations tailored to your situation.
Build my planFree. No credit card required.
Built for clarity, not clutter
Powerful, accurate tools that help you understand your money, plan for the future, and make confident decisions — without the jargon.
Free, forever
Every calculator and planning tool is completely free. No hidden fees, no subscriptions, no upsells.
Easy to understand
Complex concepts made simple. Live charts and clear breakdowns help you see the why behind every number.
Private by design
Calculations run locally in your browser. We don't track your personal information or store your financial data.
Your financial journey, simplified
Whether you're just starting out or planning for retirement, there's a tool for every stage.
Understand your current situation
Start with the salary calculator to see exactly what you take home. Track your budget and understand your student loan repayments.
Calculate your take-home paySalary calculator
Tax, NI & pension
Budget planner
Income & expenses
Plan for your goals
See how your savings grow with compound interest, model pension contributions, and plan for big milestones like buying a home or retiring early.
Calculate your investment growthCompound interest
See your money grow
Pension calculator
Plan your retirement
Make informed decisions
Research and compare funds, analyse historical performance, and visualise your complete financial picture with the planning tools.
Research funds & investmentsFund lookup
Research investments
Financial plan
Complete overview
Powerful tools for every goal
Explore the full suite of free financial calculators and planning tools.
Cashflow modelling
See your complete financial picture from now to retirement — income, expenses, pension and wealth over time.
Ready to take control?
Start with the free tools today — no sign-up, no credit card. Just precise calculators to help you make better financial decisions.
© 2026 HyperFinance · For illustrative purposes only. Not financial advice.