Interactive Tools
Everything hands-on in one place — money calculators, career tools like the CV builder and jobs tracker, and university tools including the course finder and personal statement builder. Free, no sign-up.
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.
Put in your monthly take-home and your likely costs. See what's left each month — and whether your rent is a comfortable share of your income.
A rough guide to help you sanity-check a move. A common rule of thumb is keeping rent under about a third of your take-home, and leaving a buffer for savings and surprises. Your real costs will vary — this is education, not advice.
Got something you're saving for? See exactly how much to put aside each month to hit your target in time.
A simple split of what's left to save across the months you choose. It doesn't add interest — in a savings account you'd reach the goal slightly faster. Education, not advice.
See how long a credit card or loan will take to clear at your current payment — and how much of what you pay is just interest.
Assumes a fixed balance (no new spending) and a constant rate and payment. Real cards vary. If your payment barely covers the interest, the debt clears very slowly — paying a bit more makes a big difference. Education, not advice.
Turn an annual salary into an hourly rate, or an hourly rate into a yearly figure — handy for comparing a full-time job with part-time or shift work.
A gross (before-tax) conversion based on the hours you enter, across 52 weeks. It doesn't include holiday-pay differences, overtime or tax — use the Take-Home Pay tool to see what lands in your account.
Answer a few questions and build a clean, professional CV, plus a cover-letter outline to adapt to each job.
Build yours →Turn your real examples into strong, structured answers to common interview questions using the STAR method.
Build answers →University, apprenticeship or straight into work? A few questions to point you toward the route that fits.
Take the quiz →Write the emails people freeze on — work experience, interview follow-ups, networking and speculative enquiries.
Write one →Real, current jobs and apprenticeship openings across finance, tech, law and more — ready to apply to.
Open the tracker →Search any university and course across the UK, US and Europe — with real graduate outcomes and selectivity.
Search courses →Build your UCAS personal statement around the new three questions — with prompts, tips and a draft you can edit.
Build yours →Add your A-levels, BTECs or other qualifications and see your total UCAS points — using the official tariff.
Add up points →