Work out your money in minutes, not weekends
Free calculators and plain-English guides for UK freelancers, side hustlers and households.
Free calculators
Self-employed tax calculator
Your Income Tax, Class 4 NI, how much to set aside and what's due in January.
Free · 2026/27Take-home pay calculator
What lands in your account after tax, NI, pension and student loan.
FreeSavings goal calculator
How much to save each month to hit a target by a date, with interest.
Free · Christmas 2026Christmas budget calculator
Split one total across gifts, food and travel, and see what to put aside each week.
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- 31 Jan
How to file your Self Assessment tax return: step by step
What you need before you start, each section in plain English, and how to pay.
- 20–30%
How much should I set aside for tax as a UK freelancer?
A worked 2026/27 example, the payments on account trap, and a simple rule of thumb.
- £1,000
Side hustle tax: do you need to tell HMRC?
The £1,000 trading allowance, selling your own things, and what Vinted, eBay and Etsy report.
- 2 ways
How to pay off debt after Christmas: snowball vs avalanche
Two proven methods, a worked example, and when to get free help.
- 5–15%
How much deposit do you need for a first home?
Deposit sizes, the extra costs people forget, and how to save faster.
Worth reading this week
A handful of articles from around the web that are worth your time right now, with a quick note on why. Updated every Monday.
UK money news in a three-minute read
Every Monday: what changed in UK money this week, what it means for you, and our article picks. Free, and you can unsubscribe in one click.
Free monthly budget spreadsheet
A simple one-month budget for Excel or Google Sheets, with a built-in 50/30/20 check.