United Kingdom

Money rules in the UK are less uniform than the single currency suggests. The tax year runs from 6 April to 5 April, not with the calendar. Scotland sets its own income tax bands, six of them against three in England, Wales and Northern Ireland, while National Insurance is the same everywhere. Buying a home is taxed three ways: stamp duty land tax in England and Northern Ireland, land and buildings transaction tax in Scotland and land transaction tax in Wales.

Two rules shape the longer-term numbers. The State Pension age is rising from 66 to 67 between 2026 and 2028, phased by month of birth rather than by whole year, so if you were born in 1960 your own date falls inside that window; the retirement calculator opens at 67 for that reason. And a credit card minimum payment here is set by regulation, not by the card company: FCA rule CONC 6.7.5 requires at least the month's interest, fees and charges plus 1% of the balance, which the credit card payoff calculator models.

The calculators below are set up for the UK, and each one says which of these rules it models. The rates come from GOV.UK, HMRC, the Bank of England and the Office for National Statistics, and every dataset is listed at the foot of this page with the date it applies from.