Free UK Money Tools 2026 – No Sign-up Required
This is information only and not personal financial advice.
Last updated: 30 October 2026
By Emily Harrington, Editor of UK Markets Today. [Photo placeholder: Emily Harrington, Editor] Emily writes and edits UK personal finance content, covering savings, ISAs, credit, mortgages and daily market numbers, with figures checked against official sources. Read her full author page here: Emily Harrington, Editor of UK Markets Today.
All the tools on this page are free to use, with no sign-up needed on UK Markets Today, and they are designed for UK users, in pounds and under UK rules. Start with the tool that matches the money question you have today, and use the results as a starting point, not as a lender offer.
Start with credit
Free Credit Score check – Check your credit score free in the UK, with the free route for Experian, Equifax and TransUnion. Checking your own file is a soft search that never harms your score.
Free Credit Report – Get your full free credit report, see what is on your file, and learn how to dispute a mistake.
Homes and mortgages
Mortgage Calculator – Work out mortgage repayments in pounds before you talk to a lender.
Stamp Duty Calculator – Work out Stamp Duty Land Tax, Land and Buildings Transaction Tax and Land Transaction Tax for 2026/27.
Leasehold Cost Reconciler – Reconcile leasehold costs and check the figures against what you have been charged.
Savings and growth
Compound Interest Calculator – See how savings grow over time when interest is added to interest.
Pension Calculator – Estimate your retirement income in the UK, based on the figures you enter.
Debt and money health
Credit Card Payoff Calculator – Find your debt-free date and see how much interest a small extra payment each month would save.
Money MOT – A free personal finance health check for 2026.
Investment MOT – Check your investment health, free.
Found Money Finder – Check if you are owed money in the UK, step by step.
Where to check next
Once you have run a tool, check the best rates and the latest money news with that result in mind. See the Best Cash ISA Rates and the Best Savings Accounts, read what the Autumn Budget 2026 means for your money, follow the UK Markets Daily briefing, and check the Gold Price Today UK. For credit, start again with our free credit score check and free credit report guides.
FAQ: free UK money tools
Are these tools really free?
Yes, the tools listed on this page are free to use on UK Markets Today. The free credit score and free credit report guides point you to free accounts with Experian, ClearScore and Credit Karma, which are free to use, but they will ask you to create a free account with them to verify your identity.
Do I need to create an account?
No, you do not need an account with UK Markets Today to use the calculators and finders on this page. The only exception is the free credit services themselves, which need a free account with the provider so they can check your identity and show your file.
Are the calculators accurate for the UK?
They are designed for UK users, in pounds and under UK rules, and they use the figures you enter. Results are estimates, not lender offers, so always confirm a rate, tax figure or repayment with the provider before you apply.
Which tool should I use first?
Start with the question you have today. If you are about to borrow, start with the free credit score check and free credit report. If you are buying a home, start with the Mortgage Calculator and Stamp Duty Calculator. If you are not sure where you stand, start with the Money MOT.
Is this financial advice?
No. This page is information only and not personal financial advice. The tools help you work out figures and check your own position, but they do not tell you what to buy, borrow or invest in.
What if a calculator result differs from my lender or bank?
Check the figures you entered first, especially the rate, term and balance, then confirm the result with the lender or bank. Lenders use their own criteria and charges, so their figure can differ from a calculator estimate.
Last checked: 30 October 2026. Tool links were checked live on 30 October 2026.