Free UK money tools
Build wealth. Own more. Pass it on.
Calculators for British money — the pension you forgot about, the tax cliffs nobody warns you about, and the figure your bank never shows you. Free, no account, and every number on the site is registered with its source.
1 · Earn
What a director keeps of £100,000 of company profit
£65,335
The other £34,665 is tax, company and personal together.
Running a company, working for yourself, and income that does not arrive on the same day each month.
Work out your split
2 · Keep
The marginal rate between £100,000 and £125,140
60%
Higher than the rate above it. Nothing on a payslip says so.
Thresholds, tapers, and the places where earning more leaves you with less.
See what it costs you
3 · Protect
Savings interest a basic-rate taxpayer receives before tax
£1,000
£1,000 basic rate, £500 higher rate, nil additional rate.
What to hold, and what to clear, before any of it is put at risk.
See every allowance
4 · Grow
What £200 a month really takes to reach £100,000
43 years 8 months
In cash it is 22 years 10 months. That is the figure every other calculator gives you.
ISAs, pensions, and what compounding does and does not do for you.
Run your own numbers
5 · Own
What one pound over £500,000 costs a first-time buyer
£5,000
First-time buyer relief stops rather than tapers.
Property, equity, and the difference between owning something and it owning you.
Work out the duty
6 · Pass on
What an estate can pass on before inheritance tax, with a home
£500,000
£325, plus up to £175,000 where a home goes to children.
Inheritance, gifting, and what actually survives a handover.
Read the subjectThe front door
Start with what you are actually worth
A net worth calculator built for British money — the pension you forgot about, the house, the ISA, and the student loan that is not really a debt. Nothing is stored and the workings are published.
An example statement
Age 44
- Home
- £412,000
- Pensions
- £186,400
- Stocks and shares ISA
- £41,200
- Cash ISA
- £23,000
- Cash and savings
- £18,900
- Mortgage
- −£248,000
- Credit cards
- −£2,400
Net worth
£431,100
Median household wealth for this age band is £209,600. Those are household figures in April 2020 to March 2022 prices, so treat them as a rough marker rather than a score.
- Property60%£412,000
- Pensions27%£186,400
- Cash6%£41,900
- Investments6%£41,200
Illustrative figures. Benchmark from the Office for National Statistics, Wealth and Assets Survey, April 2020 to March 2022, published 24 January 2025.
The number nobody works out
You know your salary. You do not know your net worth.
For most British households the answer is dominated by two things that never appear in a current account: the equity in a house, and a pension. Ten minutes, nothing stored, no account.
Work out your numberThe arithmetic
£100,000 takes longer than the round number suggests
Saving £500 a month at 5% a year gets to £100,000 in 12 years 3 months. Adjust for 3% inflation and the same pot is worth £100,000 in today’s money 5 years 6 months later. Most calculators show you only the first number.
| Paid in each month | To £100,000 | To £100,000 in today’s money | Of which growth |
|---|---|---|---|
| £200 | 22 years 10 months | 43 years 8 months | £45,671 |
| £500 | 12 years 3 months | 17 years 9 months | £26,877 |
| £1,000 | 7 years 1 month | 8 years 9 months | £16,331 |
Returns are assumed, not promised. Change the assumptions yourself on the full calculator.
If you earn over £100,000
The childcare cliff
Almost every British threshold tapers. Childcare support does not. One pound over £100,000 of adjusted net income and 30 free hours and Tax-Free Childcare both stop — which is why some households are worse off on £101,000 than on £99,000.
Work out what it costs you
- 30 hours a week, 38 weeks
- Free childcare for a child aged 9 months to 4, in England. Withdrawn in full above the threshold.
- £2,000 per child, to age 11
- Tax-Free Childcare. Same threshold, same all-or-nothing test.
- 60% effective rate
- On income between £100,000 and £125,140, before National Insurance, as the personal allowance is withdrawn.
- Either parent, not the household
- One person going over removes the support from both.
Where we stand
What Swealth will not do
A money site makes its money somehow, and how it does that shapes what it tells you. Ours is written down.
How we make moneyNo best-platform tables
Rankings of providers are the most lucrative thing a money site can publish and the easiest to bend. We do not run them.
No advice, and we will say so
Swealth publishes information and tools. Anything about your own circumstances needs someone regulated to look at it.
No figure without a source
Every rate and threshold on the site is registered with where it came from and the date it must be checked again. A stale one breaks the build.
No email needed to get an answer
Every calculator gives you the full result before it asks you for anything. The email is only if you want it saved.
Questions
The questions that come up most
Is Swealth financial advice?
No. It is information and tools. Nothing here takes your circumstances into account, and nothing here tells you what to buy — we do not rank providers and we do not make recommendations. For a decision that turns on your own position, speak to a regulated financial adviser.
Where do your numbers come from?
Every figure that comes from outside — a tax threshold, an allowance, a statistic — is registered with the source it was read from, the date it was read, and the date it must be read again. You can see the whole register on our methodology page.
It is not a promise, it is a build failure: when a recheck date passes, the site stops building until a human has been back to the source. That is also why a number cannot be right on one page here and wrong in a calculator — both read the same object.
How does Swealth make money?
Today, it does not. There are no affiliate links, no advertising and no sponsored pieces. If that changes it will be marked at the top of the page it applies to, and it will never change what a calculator tells you. Our disclosure page says what we would and would not do.
The Swealth letter
One letter a week, on Thursday
What actually moved in British money that week, what it means for the people reading, and nothing else. Start with the UK Wealth Blueprint — a net worth sheet, a wealth-stage checklist and an annual review template.