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A quick check‑up for your money

Clear UK calculators for your pay, your budget and your mortgage, built by someone who works in finance. Every answer shows exactly where the numbers come from.

Check my take-home pay Mortgage calculator
The Budget Clinic, holding up a bill
Rx£45k salary · per month
Gross pay£3,750.00
Pension 5%−£187.50
Income tax−£503.00
National Insurance−£216.20
Take-home£2,843.30

Take-home pay

Income tax, National Insurance, student loans and pension for 2026/27. Covers Scotland and spots the £100k tax trap.

£2,843 /monthon a £45,000 salary
Work out my pay

Budget planner

Add your income and bills, see what's left each month and get a budget health check. Download it as PDF or Excel.

Healthyyour budget diagnosis
Plan my budget

Weekly food shop

Build a balanced weekly shop from the food pyramid, sized for your household, see what it costs, and get recipe ideas from your list.

£88a balanced week for a family of four
Plan my shop

Mortgage overpayments

Start from a new mortgage or just what you pay now, and see month by month what overpaying saves.

£37,021saved overpaying £200 a month
Check my mortgage

Debt payoff planner

List your cards and loans, choose highest interest or smallest balance first, and get your debt-free date and the order to clear them.

£2,753saved vs paying minimums only
Plan my way out

Savings goal

How much to save, when you'll reach your goal, or what you'll have by a date. Weekly or monthly, with interest, one-offs and a 52-week challenge.

£225 /monthto save £3,000 in a year
Set my goal
More helpUse up my fridgeMoney-saving tipsUseful links
Coming soonStamp dutySalary sacrificeStudent loan: repay early?

From the blog

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Debt Avalanche or snowball: which debt should you pay off first? Two popular ways to clear several debts, what each one costs, and how to choose. With a worked example. 30 October 2026 · 2 min read News The 28 October Budget: what it means for your money Income tax and National Insurance stay frozen, the cash ISA cut is scrapped, savings tax goes up and there's £100 off energy for many homes. Here's what changes and when. 29 October 2026 · 3 min read

Straight answers, with the working shown