Free7 Tools

Wise Spender

Smart calculators for smarter financial decisions

Property

Affordability Calculator
Calculate how much you can borrow for a mortgage
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Mortgage Calculator
Calculate your monthly payments and visualize your mortgage over time
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Stamp Duty Calculator
Calculate UK Stamp Duty Land Tax on your property purchase
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Investments & Retirement

Investment Growth Calculator
Project your investment returns and track compound growth over time
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Pension Calculator
Project your pension growth and plan for retirement income
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Budget & Savings

Budget Calculator
Track income and expenses to create a balanced budget
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Savings Goal Calculator
Calculate monthly savings needed to reach your financial goals
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Latest Articles

Investing
15 Mar
7 min
Understanding Investment Risk: A Beginner's Guide to Returns
All investments carry some risk, but risk and return are closely linked. Here is how to understand investment risk, manage it effectively, and build a portfolio that matches your goals.
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Investing
13 Mar
7 min
ISA vs Pension: Which Is Better for Long-Term Savings?
Both ISAs and pensions offer tax advantages for long-term savings, but they work differently. Here is how to decide which is right for your situation — or whether you should use both.
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Property
11 Mar
5 min
Stamp Duty for First-Time Buyers: What You Need to Know
Stamp duty is one of the biggest upfront costs when buying a home. First-time buyers get significant relief — here is exactly how it works and how much you might save.
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