Free Money Calculators and Planners

Crestline Money offers a small set of free tools to help you look at everyday household money in pounds sterling. Each tool gives you a clear picture of your figures. It does not tell you what to do.

Our tools

Budget planner

List your monthly income and spending to see what is left at the end of each month. Use it to spot categories that take more than you expected. Try it first if you are new to budgeting.

Loan and EMI calculator

An EMI (equal monthly instalment) is the fixed amount you pay each month to repay a loan, including interest. Enter the amount borrowed, the interest rate and the term to see the monthly payment and the total cost of borrowing.

Savings goal

Set a target amount and a date, then see how much you would need to save each month to reach it. This works well for an emergency fund or a planned purchase.

Credit card payoff

Enter your balance, interest rate and monthly payment to see how long repayment could take and how much interest you might pay. Check your card statement or provider for the exact rate and charges.

How to use these tools

Results are estimates based on the figures you enter. Rates, fees and terms can change.
Check your numbers against official sources, such as your lender’s documents or your own statements.
The tools are general information only. They are not personalised advice, and they do not take your full circumstances into account.
If you are worried about debt, free and impartial help is available from StepChange, National Debt Line and Citizens Advice.

Affiliate disclosure

Some links on this page and across Crestline Money may be affiliate links. If you apply for or buy a product through one of them, we may receive a commission at no extra cost to you. This does not affect which tools we provide or how they work. We aim to be clear about how we earn and to explain the limits of what we show.

For background on terms used in these tools, see our guides on budgeting, building an emergency fund and understanding your credit score. Credit scores are held by UK credit reference agencies such as Experian, Equifax and TransUnion, and each may show slightly different information.