Free tools
A growing set of focused calculators for budgeting, mortgages, pensions, tax, and more — built for UK users. Free forever, no sign-up, and nothing you enter ever leaves your device.
Your data never leaves your device. Ever.All tools
Real financial education shouldn't sit behind a paywall. Each tool below is built for UK rules — tax bands, allowances, mortgage rates, benefits — and runs entirely in your browser.
Map your income, outgoings, and savings to see exactly where your money is going each month.
Open tool →Work out your monthly mortgage payment, total interest paid, and the impact of rate or term changes.
Open tool →See how much a UK lender is likely to lend you, based on income, deposit, and outgoings.
Open tool →Project your pension pot at retirement and see how today's contributions shape tomorrow's income.
Open tool →Find out how close you are to financial independence, and what it would take to retire early.
Open tool →See your real take-home pay after income tax, National Insurance, pension, and student loan deductions.
Open tool →Set a target, see how long it'll take to get there, and the monthly amount you need to save.
Open tool →Quickly check what UK benefits, tax credits, and support you may be entitled to.
Open tool →Model how regular contributions, lump sums, and compounding could grow your investments over time.
Open tool →Work out monthly payments, total cost, and the fastest way to clear a loan or card balance.
Open tool →Choose snowball or avalanche, list your debts, and see exactly when each one clears.
Open tool →Compare the long-term cost of renting against buying, factoring in mortgage, fees, and growth.
Open tool →The full picture
Vault is the home for everything these calculators feed into — your net worth, your spending, your plan, your tax. Same principles: nothing leaves your device, no sign-up, free to use. Built for people who want to see clearly without handing their data to anyone.
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