Free UK money calculators
Test a budget split, size an emergency fund, decode a tax code, see leftover ISA room, and check Marriage Allowance — using 2026/27 UK figures.
Illustrative only. These tools run in your browser and do not send your numbers to us. They are general information, not HMRC, MoneyHelper or regulated financial advice. Confirm eligibility and figures on GOV.UK before you act.
50/30/20 budget split
Enter monthly take-home pay and what you actually spend on needs and wants. We show what is left for saving or extra debt payments, and the classic 50/30/20 targets for comparison.
Emergency fund target
Estimate how much cash buffer you need for 1–6 months of essentials, how far you have got, and how long a regular transfer would take to close the gap.
Tax code decoder
Paste the code from your payslip or the HMRC app. We translate the common 2026/27 workplace codes (including S/C prefixes and emergency W1/M1 suffixes) into plain English.
Most employees entitled to the full Personal Allowance should see 1257L this tax year. If yours is different for more than a pay period or two after a job change, it is worth asking why.
ISA allowance leftover
The 2026/27 ISA allowance is £20,000 across Cash, Stocks & Shares and Innovative Finance ISAs. A Lifetime ISA has its own £4,000 cap, and those deposits also count toward the £20,000.
Enter what you have already subscribed this tax year. We show room left and flag if a LISA amount looks over the cap.
Marriage Allowance check
A simplified 2026/27 check: one partner at or under the £12,570 Personal Allowance and the other a basic-rate taxpayer (income above £12,570 and at or under £50,270 for most of the UK). Potential saving is up to £252 a year.
After you use a tool
Pick one concrete next step: set a payday standing order, query a tax code with payroll or HMRC, apply for Marriage Allowance on GOV.UK, or start a one-month spending audit. Calculators help you see the numbers; the start-here paths tell you which move comes first.