Make everyday money go further
Build a budget, reduce household bills and start a savings habit.
Your next money decision, made clearer
A little clarity.
A better money future.
Practical UK money guidance for real life. Understand your options, work out the numbers and take your next step with confidence.
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- No account needed
- UK guidance
General information. Not personal financial advice.
Find your starting point
What matters to you right now?
Find help with money worries
Understand your options, check support and find free debt advice.
Plan for a home or your future
Understand mortgages, pensions and the decisions that protect your family.
Less guesswork. More clarity.
Put your numbers to work
Free calculators to explore a decision before you make it. Each tool explains what the estimate includes.
Take-home pay
Estimate your take-home pay after Income Tax, National Insurance and pension contributions in England, Wales and Northern Ireland.
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Mortgage repayments
Work out your monthly mortgage payment, total interest and the impact of a rate change — in plain pounds and pence.
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Savings goal
Plan how much to save each month to hit a target, or see how a lump sum grows over time at any interest rate.
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Stamp Duty
Calculate Stamp Duty Land Tax for a home purchase in England or Northern Ireland — including first-time buyer relief and the additional-property surcharge.
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Pension tax relief
See how much basic, higher and additional-rate tax relief is added to your pension — and what your real out-of-pocket cost is.
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Council Tax
Work out your annual Council Tax bill in England from your property band and your local Band D charge — including the single-person discount and second-home premium.
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Life changes. Your plans can too.
Take care of the important paperwork
Understand the steps, check what fits your circumstances and choose how to get it done.
Changing your name
A new name. A clear next step.
Find out whether you need a deed poll, how to sign it and which organisations to tell. For optional paid document preparation, we suggest exploring Instant Deed Poll.
A paid service is optional. The guide also links to the free GOV.UK deed poll route and explains when other evidence may be enough.
Making a will
Make your wishes easier to follow.
Prepare your decisions about beneficiaries, executors and guardians. For straightforward circumstances in England and Wales, we suggest checking whether SwiftWill suits your needs.
Automated preparation, without individual solicitor review. Printing, proper signing and witnesses are required. Complex circumstances need professional advice.
Related services: Money Guide, Instant Deed Poll and SwiftWill are operated by Elite Digital AI Solutions Ltd. These are recommendations of our own company’s services. Check the provider’s current coverage, terms and price before choosing.
Your money library
Explore every side of your finances
Banking & current accountsEveryday moneySavings & ISAsEveryday moneyMortgages & first homesHomesPensions & retirementLater lifeCredit cards & loansBorrowingDebt helpBorrowingInsuranceProtectionBenefits & taxIncomeInvesting & ISAsGrowing moneyBills & utilitiesEveryday moneyFamily & careLife eventsWork & self-employmentIncomeCars & motoringEveryday moneyBudgeting & saving moneyEveryday moneyStudents & young adultsIncome
Rules can differ in England, Scotland, Wales and Northern Ireland.
Find guidance for your nationUnderstand the trade-offs
Two options. A clearer decision.
Personal loan vs PCP car finance
A personal loan buys the car outright so you own it from day one and can sell it any time; PCP usually has lower monthly payments but you only own the car if you pay the final balloon payment.
Compare the optionsCash ISA vs Stocks & Shares ISA
A Cash ISA holds cash and pays interest tax-free. A Stocks & Shares ISA holds investments — returns can be higher over the long run but the value can fall as well as rise.
Compare the optionsLifetime ISA vs Help to Buy ISA
Help to Buy ISAs closed to new applicants on 30 November 2019 but existing accounts still pay a 25% bonus up to £3,000. Lifetime ISAs are open to anyone aged 18–39 and pay a 25% bonus up to £1,000 a year until age 50.
Compare the optionsFixed-rate vs tracker mortgage
A fixed-rate mortgage locks your interest rate for a set period — usually 2, 5 or 10 years. A tracker mortgage moves up and down with the Bank of England Bank Rate plus a set margin.
Compare the optionsA question is a good place to start
Get the answer.
Understand the detail.
Straightforward explanations, with links to the guidance behind them.
Browse quick answersWhat is Universal Credit?
A single monthly benefit that has replaced six older means-tested benefits, paid to working-age adults on low incomes (in or out of work).
What is the ISA allowance for 2026/27?
£20,000 across all your adult ISAs combined. Junior ISA £9,000. Lifetime ISA £4,000 (counts towards the £20,000).
How much is the full new State Pension in 2026/27?
The full new State Pension is £241.30 a week for 2026/27 (about £12,547.60 over 52 weeks). Your amount depends on your National Insurance record. The 35-year rule applies if your record started after April 2016; earlier records use transitional rules. Check your personal State Pension forecast.
What is the Inheritance Tax threshold?
£325,000 'nil-rate band' per person, plus up to £175,000 'residence nil-rate band' when leaving a home to direct descendants.
About Money Guide
Clear about money.
Clear about us.
Know who’s behind the guidance and how to use it.
Meet Money GuideWhat can Money Guide help me with?
Money Guide explains UK everyday money, savings, mortgages, pensions, benefits, tax and family finances. Start with a plain-English guide, use a calculator to explore a decision, or search for a specific question. Where rules differ across the UK, check the country covered by the guide or tool.
Is Money Guide free to use?
Yes. The guides and calculators are free, with no account or subscription required. Money Guide is published by Elite Digital AI Solutions Ltd. Affiliate advertising and recommendations of related services are labelled. Read our funding policy for details.
Do you provide personal financial advice?
We publish general information, not a recommendation tailored to your finances. Money Guide is not FCA-authorised. For an individual financial recommendation, check an adviser’s permissions on the FCA register. Our debt help guide also explains how to find free support.
How can I check the information?
Look for the date, country coverage, assumptions and source links on the relevant page. Follow the primary source to confirm a rule before acting, especially for tax, benefits or legal decisions. Our editorial policy explains the approach, and you can report a correction.
Why do you recommend Instant Deed Poll and SwiftWill?
They are related services operated by Elite Digital AI Solutions Ltd, the company that publishes Money Guide. Instant Deed Poll offers optional paid name-change document preparation; a free DIY route is also available. SwiftWill offers automated wills for suitable straightforward circumstances in England and Wales, without individual solicitor review. Our guides explain suitability, alternatives and the signing steps before you choose.