SAVINGS & PENSION
Savings, pension and debt calculators
Long-term money tools for pensions, saving, debt payoff and household planning. This hub is designed for people comparing future value, monthly contributions and payoff strategies in one place.
Editorial standard
Savings and pension tools are presented with clear assumptions because pension relief, contribution methods and debt timing can change the answer.
50/30/20 budget calculator
Split take-home pay into needs, wants and savings targets.
Open calculator →LiveAnnuity income calculator
Estimate level annuity income from a pension pot and an illustrative quoted rate.
Open calculator →LiveBalance transfer savings calculator
Compare a transfer fee with interest avoided during a promotional period.
Open calculator →LiveCar depreciation calculator
Estimate future value and annual ownership depreciation.
Open calculator →LiveCredit card repayment
Card balance, APR and payoff timing
Open calculator →LiveDebt avalanche calculator
Estimate payoff time and interest when prioritising the highest-rate balance.
Open calculator →LiveEmergency fund calculator
Set a target from essential monthly spending and desired cover.
Open calculator →LiveInvestment fee impact
Long-term effect of annual investment charges
Open calculator →LiveLoan early repayment
Settlement figure versus remaining payments
Open calculator →LiveNet worth calculator
Compare total assets with mortgages and other debts.
Open calculator →LiveOverdraft cost
Daily overdraft interest and annual cost
Open calculator →LivePCP vs HP vs cash calculator
Compare total cash, hire purchase and PCP payments including deposits and final payments.
Open calculator →LivePension lump sum calculator
Estimate tax-free cash and the pension remaining.
Open calculator →LivePound cost averaging calculator
Compare regular monthly investing with investing the same capital at the start.
Open calculator →LiveSalary sacrifice
Net cost of workplace pension contributions
Open calculator →LiveSavings goal calculator
Calculate the monthly contribution needed to reach a target.
Open calculator →LiveState pension forecast
Qualifying years and retirement projection
Open calculator →Clear status, no empty promises
Live tools are usable now. In-development tools are the next calculation engines being implemented. Planned tools are part of the category scope but are not presented as working calculators.
Why this category matters
Users arrive here when they want a quick answer for a real decision. The live calculators and deep links below are arranged so the strongest intent stays closest to the result instead of being buried in a long list.