Coming soon
Property
Mortgage & overpayments
Explore monthly repayments and how overpayments could change your mortgage term and interest costs.
In the making
A little clarity goes a long way
Make sense of your money.
From your next payday to your first front door. Simple UK money tools and clear explanations, for the plans you’re making.
No sign-up. No jargon. A clearer starting point.
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Big plans. Everyday sums.
Payday, property or a rainy day.
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Good things are in the works. Our calculators are coming soon.
2 of 5 tools
Coming soon
Property
Stamp duty
Plan for Stamp Duty Land Tax when buying a home in England or Northern Ireland.
In the making
Less head-scratching. More understanding.
Money, in plain English.
A few useful things to know.
Open a guide to get the essentials.
Your pay · The basics Your salary and your take-home pay. What’s the difference? Read the essentials
Gross pay is your pay before deductions. Net pay is what’s left afterwards. Income Tax, National Insurance, pension contributions and student loan repayments can affect the amount you receive. Your circumstances and the applicable tax year matter.
Understand your payslip at MoneyHelperLast reviewed:
Your home · The basics Getting to know the two parts of a repayment mortgage. Read the essentials
A repayment mortgage payment covers some of the money you borrowed, called the capital, and interest. The term is the agreed repayment period. With an interest-only mortgage, the monthly payment covers interest and you still need a plan to repay the capital.
Explore repayment options at MoneyHelperLast reviewed:
Your savings · The basics A rainy day or a big someday. Give your savings a goal. Read the essentials
A target amount and a time frame make a savings goal easier to understand. Think about what you already have and what you can regularly put aside. Interest can also affect your balance, but rates can change and a projection is only an illustration.
Explore saving with MoneyHelperLast reviewed:
The thinking behind PoundTools
Your money.
A little less complicated.
Money questions don’t have to start with a spreadsheet or a dictionary. We’re building a place to explore the numbers, understand the assumptions and find your own next step.
Find your starting point01
Made for the UK
From payday deductions to home-buying costs, with the relevant UK nation and tax year made clear as tools launch.
02
The workings matter
We’re building calculators that explain their assumptions and limitations, so an estimate has some context.
03
A starting point, on your terms
No account is needed to explore. Our tools and guides are for understanding your options, not personalised financial advice.