About Money & More
Free tools for life's big financial decisions
Money & More was created by a young professional navigating the complexities of adult life - buying a first home, planning a wedding, and making sense of finances.
After spending hours searching for reliable, easy-to-use calculators that catered to the UK market, I found that most tools were either hidden behind paywalls, cluttered with ads to the point of being unusable, or simply inaccurate. I decided to build my own and share them with others facing the same challenges.
Every calculator on Money & More is built with care, tested against real-world scenarios, and designed to be genuinely useful. Whether you are a first-time buyer trying to figure out your mortgage payments, a couple planning a wedding and budgeting for gold jewellery, or someone simply wanting to understand how much stamp duty you will owe — these tools are for you.
To provide free, accurate, and easy-to-use financial tools that help young adults make informed decisions about money and life. We believe that understanding your finances should not require expensive software or professional consultations for basic calculations.
Everyone deserves access to good financial tools, regardless of their background or income. We keep Money & More completely free through minimal, non-intrusive advertising. We will never charge for our calculators or lock features behind a paywall.
Your calculations stay in your browser. We don't collect personal data, require sign-ups, or track your financial information. Any inputs saved for convenience use your browser's local storage - nothing is ever sent to our servers.
Our calculators use the latest rates and are regularly updated to reflect changes in tax rules, government schemes, and market conditions. We source live data where possible for real-time accuracy.
Why Trust Our Calculators
We take accuracy seriously. Every calculator on Money & More is built using official formulas, verified against authoritative sources, and tested with real-world scenarios to ensure reliable results.
- Mortgage calculations use the standard UK amortisation formula, the same mathematical model used by banks and building societies to determine your monthly repayments.
- Stamp duty rates are sourced directly from HMRC's published rate bands and are updated promptly when thresholds change, as they did in April 2026.
- LISA and Help to Buy rules follow the current government guidelines, including contribution limits, bonus rates, property price caps, and eligibility criteria.
- Gold prices are fetched in real time from international market data feeds, giving you live estimates rather than outdated figures.
- Savings projections use standard compound interest formulas with configurable rates and contribution frequencies.
That said, our calculators provide estimates for planning purposes. Actual mortgage offers, tax liabilities, and investment returns depend on individual circumstances. We always recommend verifying important figures with the relevant institution or a qualified professional before making financial decisions.
Disclaimer
The tools and calculators on this website are for informational and educational purposes only. They should not be considered as financial, legal, or tax advice. While we strive for accuracy, we cannot guarantee that the information is complete or up-to-date. Always consult with qualified professionals (solicitors, accountants, financial advisors) before making important financial decisions.