Built for UK households
Created around UK rates, costs and day-to-day money decisions.
Welcome
Smart Money Tools provides free tools and calculators that are designed to be simple to use and understand, but most importantly, made to assist you in making smart money decisions.
Browse our Articles for guides, or explore all our Tools.
Why use Smart Money Tools?
Fast, practical tools built to help with everyday UK money decisions.
Your numbers stay with you
Calculations run without storing your personal data on our servers.
20+ calculators
Mortgage, renting, savings and energy tools in one place.
Most popular
Start with the tools people use most when comparing housing costs, checking energy bills and working out what they can afford.
Rent vs Buy Calculator Quick Start
Featured tools
A quick shortlist of practical calculators for the decisions that tend to have the biggest monthly impact.
Rent vs Buy Calculator
Compare the long-term cost of renting and buying so you can see which option leaves you better off over your planned stay.
Mortgage Calculator
Find out how much your monthly mortgage repayments will be based on the property price, mortgage length and your deposit amount.
Electricity Cost Calculator
See the daily, monthly, and yearly running cost of appliances so you can spot what is driving your electricity use.
Tools
Browse the full tool directory by topic, from property decisions and mortgage planning to energy costs and long-term savings.
- Are all the tools free to use?
- Every calculator on Smart Money Tools is free. No account or payment is needed.
- Do I need to create an account?
- No. All calculators work without registration. Nothing is stored on our servers.
- Are the calculators built for the UK?
- The calculators use UK-specific rules, including SDLT rates, UK energy tariffs and GBP currency.