New · Featured tool
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💳 0% Balance Transfer Tracker — never get stung again.
When a 0% deal ends, your balance jumps to ~20–30% APR overnight — and your bank profits when you forget. Log each card and its end date to see the days left, the monthly payment to clear it in time, and the interest at stake — then use the ladder planner to weigh clearing vs switching, and get email + calendar reminders before the rate bites. No signup, stays on your device.
Available now
Live calculators
Live · New · Reminders
0% Balance Transfer Tracker UK
Track when every 0% balance transfer and purchase deal ends. See the days left, the monthly payment needed to clear each card in time, and export calendar reminders so you switch or settle before the rate jumps to ~25% APR. No signup — stays on your device.
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Live · New · True cost
Car Cost Calculator UK 2026
The true cost of owning a car — depreciation, finance interest and running costs combined over the years you keep it — across PCP, HP, bank loan or cash. Plus the opportunity cost of investing that money instead. The full life-event version (vs your real portfolio and FIRE date) lives in the app.
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Live · New · Escape route
HICBC Calculator UK 2026
High Income Child Benefit Charge on the post-April-2024 rules. £60k threshold, £80k full clawback. Shows the exact pension contribution needed to escape the charge entirely, and flags the £100k tax trap where pension relief hits 60–65%.
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Live · New · Backdating
Marriage Allowance Calculator UK 2026
Up to £1,260 across 5 tax years (current + 4 backdated). Models both spouses correctly — including the partial-benefit zone between £11,310 and £12,570 that HMRC's own calculator skips. Scotland + rUK threshold handled.
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Live · New · 2025/26 + 2026/27
UK Capital Gains Tax Calculator 2026
Post-30-October-2024 rates (18% / 24% for shares + property). Income-aware band split using the UK-wide £50,270 threshold. BADR rate change (14% → 18% from April 2026). Spouse-transfer mode doubles your AEA. Carried-forward losses input.
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Live · New · All 4 UK nations
UK Stamp Duty Calculator 2026 (SDLT / LBTT / LTT)
All 4 UK nations in one calculator — SDLT (England & NI), LBTT (Scotland with 8% ADS on whole price), LTT (Wales with separate higher-residential schedule). FTB rules per country, surcharges where they apply, band-by-band working.
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Live · New · Scotland
LBTT Calculator Scotland 2026
Scottish-first stamp duty calculator. Standard LBTT bands, FTB relief at £175k nil-rate (no upper cap, unlike England), and the 8% Additional Dwelling Supplement calculated on the whole price for second homes. Built in Edinburgh.
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Live · New · Wales
LTT Calculator Wales 2026
Welsh stamp duty calculator. Main residential bands (0% to £225k), separate higher-rate schedule for additional property (rose 1pp on 11 Dec 2024), and honest treatment of the fact that Wales has no FTB scheme.
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Live · New
Pension Carry Forward Calculator UK
Stack 3 years of unused Annual Allowance on this year's £60k — up to £240k in one go. Handles tapered AA for high earners and MPAA mode. Year-by-year breakdown so you can see exactly what's used and what's unused.
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Live · New
Long-term care cost calculator UK
The only UK care cost calculator that models all four nations (England, Scotland, Wales, NI), the £86k cap toggle, NHS CHC, spouse-still-at-home logic and home/residential/nursing/dementia care types. Honest means-test maths most calculators get wrong.
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Live
Income shock calculator UK
What would unemployment, redundancy or a career break really cost you? Models direct savings shortfall PLUS opportunity cost — the growth foregone over your remaining years to retirement. The lifetime cost is usually 2-4× the direct hit.
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Live · New
Cost of raising a child UK
Year-by-year cost of raising a child in the UK from birth to 18, with realistic childcare options (family help, part-time, full-time, or custom monthly) and three education paths. The honest version of the £166k headline figure.
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Live · New
Overpay mortgage or invest? UK
The most-asked question on UK personal finance forums — answered with real maths. Compare overpaying your mortgage vs investing in an ISA, SIPP, GIA or cash savings. Year-by-year wealth chart, full UK tax engine.
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Live · New
Will my money last? — Monte Carlo
Run 5,000 simulated futures of your UK retirement plan. Real UK tax, State Pension, sequence-of-returns risk. The honest answer your pension statement won't give you.
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Live · New
Salary Sacrifice Pension Calculator UK
Real 2026/27 maths — income tax, NI 8%/2%, employer NI rebate, all five student loan plans, Scottish bands and the £100k tax trap. See exactly what changes for your take-home and your pension.
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Live
Coast FIRE UK Calculator
Find out if your portfolio is already big enough to coast to retirement — even if you stop contributing today. UK tax wrappers and inflation baked in.
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Live
Bed-and-ISA Calculator
Modelling moving GIA holdings into your ISA. See the CGT bill, the long-term tax saving, and whether it's worth doing this tax year.
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Live
FIRE Number Calculator UK
Your real FIRE number with UK tax drag, ISA/SIPP split, and 4% rule sensitivity. Built around how UK investors actually decumulate.
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Live · 2027
IHT on Pensions Calculator UK 2027
From April 2027 your pension joins your estate for IHT. Stack the income tax beneficiaries pay at 75+ and the rate hits 64–67%. See your real bill plus mitigation strategies.
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Live · 2026/27
CGT Allowance Tracker UK
Plan disposals against the £3,000 annual exempt amount. Optimise to allowance, model spouse transfers, factor in carried-forward losses — then export a branded PDF for clients.
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Coming soon
In the build queue
Soon
SIPP Tax Relief Calculator
See exactly what HMRC tops up on a pension contribution — including 40% and 45% rate higher-rate relief you'd claim back via Self Assessment.
In progress
Soon
Dividend Tax Calculator UK
Dividend allowance is £500 for 2026/27. See what you'll owe across basic, higher and additional rates — and whether it's worth using your ISA first.
In progress
Soon
ISA Allowance Tracker
£20,000 across Stocks & Shares, Cash, LISA and Innovative Finance ISA. Track what you've used, what's left, and the 5 April deadline.
In progress
Soon
Lifetime ISA Bonus Calculator
Model the 25% government top-up on LISA contributions across your eligible years — and the trade-off vs. a SIPP for early retirement.
In progress
Why these calculators are different
Built for actual UK decisions, not generic ones.
UK tax rules baked in
2026/27 ISA, LISA, SIPP, dividend, CGT and income tax bands — not a US calculator with a pound sign bolted on.
Answers the next question
Each tool tells you what the number means and what to do next — not just "here's £273,418.92."
No signup, no email gate
Every tool is fully usable on the page. We're not holding your answer hostage for a marketing list.
Connects to the full picture
Each calculator plugs into the WealthR app — so once you've modelled the decision, you can track the actual outcome over time.
One number is helpful. The full picture is the point.
These free calculators are a slice of what WealthR does. The full app stitches your ISAs, SIPPs, property, pensions and side income into one live forecast — with tax, allowances and your real FIRE date on top. Free to try, takes about five minutes.
How WealthR compares
Side-by-side with the alternatives.
Honest reads on how WealthR fits next to the popular UK apps. Same questions, different answers — and sometimes the right move is to use both. Six comparisons live covering Emma, Ledgi, Moneyhub, PensionBee, Snoop and WealthView.
Compare
WealthR vs Moneyhub
Free UK retirement planner vs paid Open Banking aggregator. Manual entry vs bank linking. Future planning vs past spending.
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Compare
WealthR vs PensionBee
Planning tool that covers every pension provider, vs a single managed SIPP. Most users benefit from both.
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Compare
WealthR vs Emma
Wealth tracker & planner vs Open Banking budgeting app. Different primary needs — often used together.
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Help shape what we build next 🚀
Got an idea for a new calculator, a missing feature, or a bug to report? Tell us what would actually help you — your feedback decides what ships next.