Interactive Tools
Numbers make money real. Work out what you'll actually take home, build a budget that holds up, see the true cost of a student loan, and watch what starting early does to your money.
Enter your gross salary and see what actually lands in your account after Income Tax, National Insurance, your pension and (if you have one) your student loan.
Estimate only, based on England 2025/26 rates for a standard tax code (personal allowance £12,570, basic 20% / higher 40% / additional 45%, employee NI 8% then 2%). Pension modelled as a simple salary deduction. It doesn't account for salary sacrifice, benefits in kind, or a non-standard tax code. Not tax advice — check GOV.UK for your exact position.
Put your monthly take-home in, then your outgoings. See instantly what's left — and how close you are to the 50/30/20 rule (needs / wants / savings).
A UK student loan isn't like a normal debt — you repay a percentage of what you earn above a threshold, and anything left is wiped after a set number of years. See what you'd actually pay each month.
Based on 2025/26 thresholds. You only repay while earning above the threshold, repayments stop if your income drops, and the balance is written off after the plan's term (Plan 2: 30 years; Plan 5: 40 years). Interest is added but doesn't change your monthly repayment — that's set purely by income.
The most important idea in personal finance: money grows on the growth. Put in a monthly amount, pick how long, and see the difference between what you put in and what it could become.
A projection, not a promise. It assumes a steady return every year, which never happens in reality — real markets rise and fall. It ignores fees, tax and inflation. Its purpose is to show the shape of compound growth and why starting early matters so much. This is education, not financial advice.