Excelergy
Free UK financial tools, under one roof.
Calculators and planners for retirement, budgeting, savings, mortgages and tax. Each one runs in your browser with no sign-up required. If you want your inputs to follow you across devices, an optional Premium account syncs them for you.
Retirement & savings
Retirement Planner
Year-by-year pension and ISA projections with the UK tax workings shown. Monte Carlo success rate, drawdown mechanics, 2026/27 bands (UK and Scotland), and the April 2027 Cash ISA cap built in.
Open the planner RatesCompare Savings & ISA Rates
Live UK savings and Cash ISA rate comparison. Filter by account type, access and provider; sort by rate and refresh with the latest market data.
Compare savings rates RatesCompare Mortgage Rates
UK residential mortgage rate comparison. Filter by product (fix length, tracker), LTV and lender; see monthly cost and total-cost-of-credit at a glance.
Compare mortgage rates ProjectionCompound Interest Calculator
What a lump sum or monthly contribution grows to over time at a given rate. Side-by-side comparison of two scenarios, with and without inflation.
Project a return BudgetingBudget Planner
A monthly budget planner with categories, direct debits, and left-to-spend. Imports your existing CSVs. Runs in your browser; sync across devices with an optional Premium account.
Open the budget toolTax & planning
Take-Home Pay Calculator
Gross-to-net salary calculator for 2026/27. Includes income tax (UK and Scottish bands), National Insurance, student loans, salary sacrifice and the Personal Allowance taper.
Calculate take-home pay EstateInheritance Tax Calculator
UK IHT projection with the Nil-Rate Band, Residence Nil-Rate Band, taper above £2m, and spouse exemption. From April 2027, pensions enter the IHT net - the calculator models that too.
Model your IHT