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Founder, Martin Lewis · Editor-in-Chief, Marcus Herbert

Tools & Calculators

Nifty gadgets, gizmos & apps to slash your bills

Check out our FREE tools & calculators

Cut your costs, check your eligibility & understand your money in minutes...

ALL TOOLS & CALCS

Alternatively, start with a more general MoneySaving goal

You could start with a more general MoneySaving goal, including...

  • Cut my bills

  • Check eligibility

  • Understand my finances

  • Save & grow my money

  • Buy or manage a home

  • Get insurance

  • Save when travelling

  • Shop for less

  • Get set for uni

  • Reclaim unfair car finance

MSE's tools & calculators – many ways to MoneySave


Whether it's growing your savings, cutting your bills, buying a home, checking your eligibility for cards and loans, or something else entirely, our FREE tools and calculators can help you to make better financial decisions.

We have at least 40 different tools and calculators, all doing different jobs, so to get started you can:

Start with a goal

💸 Cut my bills

💳 Check my eligibility

📊 Understand my finances

💰 Save & grow my money

🏡 Buy or manage a home

🛡️ Get insurance

✈️ Save when travelling

🛍️ Shop for less

🎓 Get set for uni

🚗 Make a car finance mis-selling complaint

Our most popular tools & calculators


If you'd prefer, you can see ALL our tools and calculators, browsing by category or A to Z.

Cut my bills

Related: How to switch energy | Fix energy or Price Cap? | Broadband haggling | Cheap mobile tips | Mobile phone haggling

Check my eligibility

Related: Best 0% credit cards | Best balance transfer cards | Credit card rewards | How to get a personal loan | Check your credit report for free

Understand my finances


Related: Tax rates | Inheritance Tax | Pension need-to-knows | State Pension | Universal Credit | Tax-Free Childcare

Save & grow my money


Related: Top savings accounts | Top cash ISAs | Top Lifetime ISAs | Stocks & shares ISAs | Regular savings accounts

Buy or manage a home

Related: Cheap mortgage finding | Should I overpay my mortgage? | Buying-a-home timeline | Council Tax discounts

Get insurance


Related: Cheap car insurance | Cheap breakdown cover | Cheap home insurance | Multicover home & car insurance | Cheap travel insurance

Save when travelling


Related: Cheap travel insurance | Top travel cards | Cheap airport parking | Free or cheap airport lounges | Flight delay compensation | Cheap train tickets

Shop for less


Related: Deals, Vouchers & Shopping | Amazon buying tricks | eBay buying tips | Consumer rights | Supermarket shopping tips

Get set for uni


Related: Plan 1 student loans | Plan 2 student loans | Postgraduate loans | Student loan overpayments | Student bank accounts

Make a car finance mis-selling complaint




Related: Car finance redress scheme update

Compare phone deals with our Cheap Mobile Finder

Bag the right Sim or handset for you with our Cheap Mobile Finder, which compares 50+ providers:

  • Browse Sim-only deals or cheap new phones to get the best value for your needs.

  • Compare refurbished mobiles for big savings on pre-owned handsets.

  • We can help you choose the right phone if you're not sure – just tell us your preferences.

TRY OUR CHEAP MOBILE FINDER

See your take-home pay with our Income Tax Calculator

Our Income Tax Calculator can estimate how much tax you're likely to pay each month.

  • Enter your income to get a breakdown of Income Tax and National Insurance.

  • The calculator shows what you'll take home and how a pay rise or cut could affect your tax bill.

  • Add in pension, tax code and student loan details to see the effect of these on your pay.

USE OUR INCOME TAX CALCULATOR

Cut mortgage costs with our Ultimate Mortgage Calculator

Use our Ultimate Mortgage Calculator to explore your mortgage options and see what they could really cost you.

  • Compare different mortgages with our calculator, which boasts eight-tools-in-one.

  • Looking to buy a home? See how long it'll take to save a deposit, how much you could borrow, plus how much monthly repayments and the total cost could be.

  • Already have a mortgage? See how overpaying could affect your borrowing, and find out whether it would be cheaper to ditch your current fix and move to a new one.

TRY OUR ULTIMATE MORTGAGE CALCULATOR

Complain about car finance mis-selling using our FREE Car Finance Reclaim Tool

Check whether you could've been mis-sold vehicle finance and make a complaint using our free Car Finance Reclaim Tool & Guide.

  • Answer a few questions to get a ready-to-send email complaint drafted by MoneySavingExpert.com founder Martin Lewis and the team.

  • Our tool covers all three types of possible mis-selling and fills in everything for you, with the option to edit or add extra details.

  • You then get the right contact details to send the complaint yourself – and don't worry, we won't store your info.

USE OUR CAR FINANCE MIS-SELLING TOOL

Choose the right credit card with our Credit Card Eligibility Calculator

Use our Credit Card Eligibility Calculator to see which cards you're most likely to be accepted for.

  • The tool uses a soft search to show your approval chances, meaning your credit score is protected.

  • Check your eligibility across a range of cards including balance transfer, 0% spending, cashback, reward and bad-credit credit cards.

  • See your acceptance odds before you apply, avoiding unnecessary applications – with some cards showing a 100% chance of approval.

TRY OUR CREDIT CARD ELIGIBILITY CALCULATOR

Save on your energy bills with our Cheap Energy Club

Join Cheap Energy Club to compare energy deals and quickly find the cheapest tariff for you.

  • We show you deals from across the whole market, unlike some comparisons, giving you greater choice.

  • Find energy deals with a DIY comparison or use Pick Me A Tariff, where you tell us your preferences and we find the closest tariffs to what you want.

  • We also factor in Price Cap predictions, helping you understand how future changes could affect your bills.

JOIN CHEAP ENERGY CLUB & CUT COSTS

Join Credit Club to learn how the financial world really sees you

Use our Credit Club to get free access to your credit score, and a host of other insights into your borrowing profile.

  • Also see your credit report and our affordability score and unique Eligibility Rating.

  • It shows how likely you are to be accepted for credit cards and loans, without needing to apply and risk your score.

  • You'll also get clear insights on what's helping or hurting your profile and how to improve your chances of approval.

JOIN CREDIT CLUB FOR DEEP FINANCIAL INSIGHTS
An illustrated smartphone showing the Credit Club app and a Credit Eligibility Rating of 9.5 out of 10. Next to the phone is a card showing a TransUnion credit score, showing 700 out of 710, labelled 'Excellent'.

Find the best broadband deal for you with our broadband comparison

Enter your postcode into our broadband comparison tool to find the best deals available in your area.

  • It includes 34 major providers, plus any special or exclusive offers that we've found.

  • Filter your search by broadband speed, contract length and more, plus add in a landline and/or TV package if you want these.

  • You can choose to include social tariffs for those on certain benefits, helping you spot these cheap options.

USE OUR BROADBAND COMPARISON TOOL

All MoneySavingExpert tools & calcs – by category


Credit cards & loans

Household bills

Banking & savings

Shopping & deals


Income & budgeting

Mortgages & homes

Travel

Insurance

Students

All MoneySavingExpert tools & calcs – A-Z



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