Was this worth a coffee? Not a flat white. Just a regular, sensible £2 coffee. If this helped, feel free to buy me one. If it didn't, keep your money — that's only fair.
Money Wise UK® is building a growing collection of free financial planning tools, calculators and resources.
These tools are designed to help individuals explore important financial questions and support financial planning firms in creating clearer conversations with their clients.
They can help you:
- Think about what matters most to you.
- Explore possible financial scenarios.
- Understand the potential effect of tax or legislative changes.
- Identify questions you may want to discuss with a financial planner.
- Turn complicated financial topics into something easier to understand.
The tools are free to use, and more will be added over time.
Important Information Before You Start
The tools on this page are provided for general information and educational purposes only.
They do not provide personal financial advice, regulated investment advice, tax advice or a recommendation to take any particular course of action.
Any figures or results are based on the information entered and the assumptions built into the relevant tool. They cannot take account of your complete financial position, objectives, personal circumstances or future changes to tax, legislation, inflation and investment markets.
You should not make an important financial decision based solely on the results of an online calculator or planning tool.
Explore the Free Money Wise UK Tools
Life Plan
Financial planning should start with your life, not your money.
The Money Wise UK Life Plan is designed to help you step back and think about what really matters to you.
It provides a simple structure for exploring your priorities, goals and future direction. This may include your family, work, health, lifestyle, financial security and the legacy you would like to leave.
The Life Plan does not tell you what you should do. Instead, it helps you organise your thoughts and identify the areas you may want to explore in greater detail.
The Life Plan may help you:
- Consider what a good life means to you.
- Identify your short-, medium- and long-term priorities.
- Think beyond investments, pensions and financial products.
- Prepare for a conversation with a financial planner.
- Turn broad ambitions into clearer next steps.
ISA Tax Calculator
Changes to the UK ISA rules are expected to affect how cash held within certain non-cash ISAs is treated from April 2027.
The Money Wise UK ISA Tax Calculator allows you to explore the potential effect of the proposed 22% charge on interest earned from cash held inside a Stocks and Shares ISA or Innovative Finance ISA.
Enter the amount of cash held and the interest rate being received to see an illustration of:
- The estimated annual interest earned.
- The potential 22% charge.
- The estimated interest remaining after the charge.
The result is an illustration only. It is not a personal tax calculation and should not be treated as a recommendation to move, invest or withdraw money from an ISA.
Tax rules, allowances and the final legislation may change. The way the rules affect you will depend on your personal circumstances.
More Free Tools Are Coming
This is the start of a growing library.
Over time, Money Wise UK aims to add further tools covering financial wellbeing, retirement planning, cashflow, investment risk and other areas where a clear illustration may help people ask better questions.
New tools will be added to this page as they become available, so please bookmark it and return regularly.
Who Are These Tools For?
Individuals
The tools can help you explore an issue before speaking to a financial planner.
They may help you understand the questions you need to ask, but they cannot determine whether a product, investment, pension, withdrawal strategy or course of action is suitable for you.
Financial Planners and Advice Firms
Financial planning firms may use the tools to support education and client conversations.
However, a tool does not replace a firm’s own advice process, research, due diligence, suitability assessment, compliance oversight or Consumer Duty responsibilities.
Regulated firms remain responsible for checking the accuracy and appropriateness of any information used with clients.
How Should You Use a Financial Planning Tool?
A financial planning tool should be the beginning of a conversation, not the end of one.
Use the tools to:
- Explore a question or possible scenario.
- Review the assumptions being used.
- Consider what the result does not include.
- Identify any questions or concerns.
- Speak to a suitably qualified professional before acting.
A calculator may provide a precise-looking number. That does not mean the outcome is certain or personally suitable.
Frequently Asked Questions
Are the Money Wise UK tools free?
Yes. The tools listed on this page are currently free to use.
Money Wise UK may also provide separate professional templates, consultancy services or paid resources elsewhere on the website.
Do the tools provide financial advice?
No.
Money Wise UK® is a non-regulated consultancy. The tools provide general information and educational illustrations only. They do not provide personal financial advice or a regulated recommendation.
Can I rely on the results?
The results can help you explore an issue, but they should not be relied upon as the sole basis for a financial, investment or tax decision.
The outcome will depend on the information entered and the assumptions used. Your actual position may be different.
Do the tools consider my complete financial circumstances?
No.
An online tool cannot fully understand your income, expenditure, family circumstances, tax position, investments, pensions, objectives, attitude to risk, capacity for loss, health, vulnerability or wider financial needs.
Can a financial adviser use these tools with clients?
The tools may support education and client discussions, but they do not replace regulated advice or a firm’s own governance and compliance processes.
Any financial planning firm using a Money Wise UK tool remains responsible for deciding whether it is appropriate for its business and clients.
Will more tools be added?
Yes.
Money Wise UK is developing further practical tools and illustrations. New tools will be added to this page as they become available.
Full Tools Disclaimer
The information, calculations, figures, projections and outputs generated by the tools on this page are provided for illustrative and general information purposes only.
They do not constitute:
- Personal financial advice.
- Regulated investment advice.
- Tax advice.
- Legal advice.
- A personal recommendation.
- An offer or invitation to buy, sell or hold an investment or financial product.
Results are based on the information entered by the user and assumptions incorporated into each tool. These assumptions may not reflect your actual circumstances.
Money Wise UK® does not guarantee that any calculation, projection or output is accurate, complete, current or suitable for a particular purpose.
Tax rates, allowances, legislation, inflation, interest rates, investment returns and market conditions can change. Any projection involving future values is uncertain, and actual outcomes may be materially different.
The tools cannot take account of your complete financial circumstances, including your objectives, income needs, tax position, family circumstances, risk profile, capacity for loss, health, vulnerability, estate planning requirements or existing financial arrangements.
No tool should be used as a substitute for professional judgement or appropriately regulated financial advice.
Money Wise UK® is a non-regulated consultancy. If you require personal financial advice, you should speak to a suitably qualified financial adviser authorised and regulated by the Financial Conduct Authority.
Financial planning firms using these tools remain responsible for their own regulatory obligations, compliance oversight, due diligence, client communications, suitability assessments and client outcomes.
To the fullest extent permitted by law, Money Wise UK® accepts no responsibility or liability for any direct or indirect loss arising from the use of, or reliance upon, these tools or their outputs.
Please review the Money Wise UK privacy policy before entering personal information into any online tool.
Last reviewed: July 2026
Was this worth a coffee? Not a flat white. Just a regular, sensible £2 coffee. If this helped, feel free to buy me one. If it didn't, keep your money — that's only fair.
CRP, Centralised Retirement Propostion: Retirement Planning Simplified ® is a registered trademark. This means that both the words and the logo are protected and cannot be reproduced without express permission.