WealthR / Free tools
✦ Free UK money calculators
UK calculators that actually answer the question.
Most UK money calculators stop one step short — they tell you a number, but not what to do with it. The WealthR free tools go further: live UK tax rules, real allowances, and the next obvious move. Built by an investor who got tired of opening five tabs to model one decision.
✓ No signup
✓ No email gate
✓ UK tax rules 2025/26
✓ Mobile-friendly
✓ Plain-English explainers
✦ Available now
Live calculators
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 2025/26. 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
2025/26 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.
Try the full app → Read the storyHelp 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.