Every Spondoons calculator in one place – Built for UK rules for the 2026/27 tax year. Pick the question you want answered and get a result in seconds.
Income & tax
💷Salary CalculatorYour 2026/27 take-home pay after tax, NI, student loans and pension — yearly right down to hourly.Salary calculator →⚖️Compare SalariesTwo job offers side by side, pensions included, with a clear verdict on which leaves you better off.Compare salaries →🔍Tax Code CheckerDecode your tax code in plain English and spot whether you’re quietly overpaying HMRC.Check TAX code →
Debt & borrowing
💰Loan CalculatorMonthly repayments and the true total cost of borrowing — see the real price before you sign anything.Loan calculator →❄️Debt PayoffSnowball vs avalanche across up to six debts — find your fastest route to debt-free.Payoff debt calculator →💳Card PayoffHow long minimum payments really take to clear a credit card — and how much faster a fixed amount is.Card payoff calculator →🏛️CCJ CheckerCheck a county court judgment, see if it can still be wiped completely, and what removal really costs.CCJ checker →
Savings & future planning
🐿️Savings CalculatorWatch regular saving plus compound interest grow month by month — and set a target date.Savings calculator →🏠Mortgage OverpaymentWhat overpaying your mortgage saves in interest — and how many years it knocks off the term.Mortgage overpayment calculator →🎓Student Loan OverpaymentShould you overpay your student loan or save the money instead? See the maths for your plan.Student loan calculator →
Every tool is free and always will be. Once you know your numbers, the bill-cutting checklist is the quickest way to free up extra cash each month.