Savings
The Three-Account System That Actually Works
A simple way to split your money so bills are covered, savings grow, and you still have spending money.
Free UK money guides & calculators
Take control of your money, today.
Honest financial guides and free calculators built to help you make smarter decisions. No jargon, no paywalls — just clear, practical information you can act on.
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What We Cover
Guides and calculators for real life.
From energy bills to tax returns — straightforward tools and advice for the money decisions that actually matter.
Tax & Pay
Take-home pay, tax codes, national insurance and more
Energy & Bills
Electricity, gas, water and appliance running costs
Mortgages & Loans
Repayments, stamp duty, rent vs buy, compound interest
Savings
ISAs, premium bonds, pensions and saving strategies
Sort Your Money
Budgeting, debt, benefits and getting back on track
Business
Freelance tax, profit margins, eBay and Etsy fees
Home & DIY
Paint, flooring, fencing, radiator BTU and more
Motoring
Fuel costs, car tax, MOT, EV vs petrol and depreciation
Popular Guides
Straightforward advice you can act on.
Our most-read guides — written in plain English for real people making real decisions.
All Tools
Every calculator and guide in one place.
Browse all 80+ free tools — find what you need and get straight to it.
Tax & Pay
Take-home pay, national insurance, tax codes, student loans and more.
Energy & Bills
Electricity, gas, water, solar panels and appliance running costs.
Finance & Mortgages
APR, mortgages, stamp duty, compound interest and debt repayment.
Home & DIY
Paint, flooring, tiling, fencing, decking, radiators and more.
Motoring
Fuel costs, car tax, MOT, EV vs petrol, depreciation and finance.
Business
eBay and Etsy fees, freelance tax, profit margins and day rates.
Pets
Puppy costs, pet insurance and food costs.
Food & Drink
Grocery budgets, meal and coffee costs.
Health & Fitness
BMI, calories, macros and body fat.
Everyday Tools
VAT, percentages and unit converter.
Common Questions
Frequently asked questions.
Quick answers to the things people ask us most.
APR (Annual Percentage Rate) is the total yearly cost of borrowing, including interest and fees. It lets you compare loans and credit cards fairly. Use our free APR calculator to convert flat rates to APR and see the true cost of borrowing.
Your take-home pay depends on your gross salary, tax code, National Insurance contributions, student loan plan and pension contributions. Use our take-home pay calculator to see exactly what you'll receive after all deductions for the current 2025/26 tax year.
Yes, every calculator and guide on MoneyLander is completely free. There's no sign-up required, no paywalls, and no hidden costs. We believe financial information should be accessible to everyone.
Start with the three-account system to separate bills, savings and spending money. Our budgeting guides cover practical strategies for managing money on benefits, Universal Credit, variable income and minimum wage. Every guide includes free tools and calculators to help you plan.
Use our free mortgage repayment calculator to see your monthly payments based on the loan amount, interest rate and term length. We also cover stamp duty costs, rent vs buy comparisons and help-to-buy ISA guides.
No. MoneyLander provides financial information and calculators for educational purposes only. We are not regulated by the FCA and do not provide personal financial advice. For regulated advice, speak to a qualified financial adviser.
No sign-up needed
Every calculator and guide is free to use without creating an account.
Built for real people
Written in plain English for everyday money decisions, not financial jargon.
Independent & honest
Information only — we don't sell financial products or take commission.
UK focused
Tax rates, benefits, regulations — all based on current UK rules.