It doesn’t matter if you’re looking for a bargain, want to work out loan repayments, salary or even how much interest you’ll pay on a mortgage - Money Saving Hub have gathered together some useful online tools on this page. They could save you cash, stop you making an expensive mistake or just guide you in the right direction where your money is concerned.
Don’t make a financial move without consulting these links first!

Be wise and budget better

If you want to master your money the first thing to learn is how to live on a budget. Some people have never put a budget together and they often find it hard to work out where all their money goes! This handy Budget Planning tool from the Money Advice Service should be your first port of call if you want to start budgeting.

The tool is designed to help you put together a realistic budget which includes everything you need to pay out and everything you need to spend money on. A good budget only works properly if it’s realistic, so make sure you list everything you’ve got going out and everything you’ve got coming in.

Once you’ve got a realistic budget in place, you can see where you stand financially regarding saving, investments, preparing for the future, preparing for the unexpected and repaying any outstanding debts.

Want to improve your credit score?

A lot of people in the UK don’t ever look at their credit report. It’s worth checking, especially if you intend to apply for a mortgage or other financial product that relies on a credit check.

There are three credit reference agencies in the UK: Call Credit, Experian and Equifax. Call Credit have a free service known as Noddle, which lets you look at your report for free. While Experian offer 30 days free trial. The Money Advice Service have a great article on how to improve your credit rating.

You are what you earn

One of the most important things to establish whether you’re employed or self-employed is the amount of tax you need to pay. Listen To Tax Man is a brilliant online calculator that’s very accurate and explains how much tax and National Insurance you should be paying.

The website is also good if you’re looking for a new job and want to work out what your take home pay is likely to be in your new position. The online tax calculator even includes sections for pension payments and other benefits or deductions from your salary.’s income tax calculator is also a good resource.


Want to work out repayment on a possible mortgage? The Guardian Mortgage repayment calculator is a great tool which will help you work out, down to the penny, what your mortgage will cost you. Fill in how much you want to borrow, the term and the rate, and it will do the rest for you. It works for repayment or interest only mortgages.

Savings and investments

This handy savings and investments calculator will help you plan for future savings and investments. Do you having a savings target? You should!

You can look here for the other Guardian Money Calculators, they could be invaluable if you intend to save or invest for the future.

If you think there’s something here we’ve missed or needs updating, please contact the team here and we’ll look into it.