Free online tools
Everything you need, in the browser
Free browser-based utilities from Finanseal — mortgage, credit card, personal loan, compound interest, car finance and self-employed tax. No install, instant results.
Mortgage
Home
Estimate a UK repayment or interest-only mortgage in pounds, including overpayments, the balance when a fixed deal ends, and stamp duty.
Credit Card
Debt
See how long a UK card balance takes to clear at your APR, then compare a 0% transfer including fee and promotional months.
Personal Loan
Borrow
Calculate monthly payments and total interest on a UK personal loan, including an arrangement fee, then compare a second APR.
Compound Interest
Invest
Project ISA or SIPP-style growth from a starting pot, monthly additions, and rate, including years to a FIRE target.
Car Finance
Vehicles
Compare UK hire purchase, PCP, and personal contract hire total cost, including deposit, balloon, and part-exchange.
Self-Employed Tax
Tax
Estimate 2026/27 Income Tax and Class 4 National Insurance on trading profits, with Scotland vs rUK and a simplified limited-company comparison.
Every tool runs in your browser. Optional history keeps a snapshot for 7 days.