Loan and savings calculators
See what borrowing really costs and how fast your savings can grow.
- Compound interest calculatorHow interest builds on interest
- Pension calculatorYour pension pot at retirement
- Loan repayment calculatorMonthly payments and total interest
- Inflation calculatorWhat money will be worth later
- Savings calculatorHow your savings grow with interest
- Credit card payoff calculatorHow long to clear your balance
- Savings goal calculatorHow much to save each month
- Investment and ISA calculatorHow investments could grow
- Debt payoff calculatorSnowball vs avalanche
- Debt consolidation calculatorIs one loan cheaper?
- Budget calculatorSplit your pay with 50/30/20
About these calculators
Borrowing and saving work the same way in reverse: interest either costs you or earns for you, month after month. These calculators show both sides with your own figures, from paying off a card to how a pension pot could grow.
In September 2026 the Bank of England's average rates were 24.71% on credit cards, 6.98% on a £10,000 personal loan and 2.06% on instant-access savings. Inflation was 3.5% in the year to September 2026, so savings earning less than that are losing buying power.
You can save up to £20,000 a year in ISAs without tax on the interest or growth. If you're paying off debts, the debt payoff calculator compares paying the highest rate first with the smallest balance first; if money's tight, free advice from StepChange or Citizens Advice is a better first step than a new loan. It's confidential and won't affect your credit score.
Guides
Guides and help
Our guides
Official services and free advice
These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.
This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.