# Loan, savings and pension calculators UK | ComputeNow URL: https://computenow.co.uk/loans-and-savings/ > Free UK calculators for loans, credit cards, debt payoff, savings, compound interest, investing, pensions with the State Pension, inflation and budgeting. This calculator shows a worked example below. To use your own figures, add them to the URL as query parameters (listed in https://computenow.co.uk/llms.txt), for example https://computenow.co.uk/loans-and-savings/?=. # Loan and savings calculators See what borrowing really costs and how fast your savings can grow. Rates for the 2026/27 tax year, checked 18 October 2026 - [Compound interest calculator How interest builds on interest](https://computenow.co.uk/compound-interest-calculator/) - [Pension calculator Your pension pot at retirement](https://computenow.co.uk/pension-calculator/) - [Loan repayment calculator Monthly payments and total interest](https://computenow.co.uk/loan-repayment-calculator/) - [Inflation calculator What money will be worth later](https://computenow.co.uk/inflation-calculator/) - [Savings calculator How your savings grow with interest](https://computenow.co.uk/savings-calculator/) - [Credit card payoff calculator How long to clear your balance](https://computenow.co.uk/credit-card-payoff-calculator/) - [Savings goal calculator How much to save each month](https://computenow.co.uk/savings-goal-calculator/) - [Investment and ISA calculator How investments could grow](https://computenow.co.uk/investment-calculator/) - [Debt payoff calculator Snowball vs avalanche](https://computenow.co.uk/debt-payoff-calculator/) - [Debt consolidation calculator Is one loan cheaper?](https://computenow.co.uk/debt-consolidation-calculator/) - [Budget calculator Split your pay with 50/30/20](https://computenow.co.uk/budget-calculator/) ## 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 - [How big could your pension be?](https://computenow.co.uk/guides/pension-pots-by-age/) - [The State Pension and your NI record](https://computenow.co.uk/guides/state-pension-and-your-ni-record/) - [UK interest rates and inflation today](https://computenow.co.uk/guides/uk-interest-rates-and-inflation/) ## Guides and help ### Our guides [How big could your pension be? Pension pots by the age you start saving](https://computenow.co.uk/guides/pension-pots-by-age/)[The State Pension and your NI record What each qualifying year is worth](https://computenow.co.uk/guides/state-pension-and-your-ni-record/)[UK interest rates and inflation today Average mortgage, savings, loan and card rates](https://computenow.co.uk/guides/uk-interest-rates-and-inflation/) ### Official services and free advice [Options for paying off your debts GOV.UK: plans, breathing space and more](https://www.gov.uk/options-for-paying-off-your-debts)[Check your money is protected FSCS: cover if a bank or provider fails](https://www.fscs.org.uk/)[Check your State Pension forecast GOV.UK: how much and when](https://www.gov.uk/check-state-pension)[Individual Savings Accounts (ISAs) GOV.UK: tax-free saving and investing](https://www.gov.uk/individual-savings-accounts) 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.