Free tools · Real numbers · No judgement
Money,
minus the hype.
Put in your own numbers. See what’s really going on. Every figure comes with its source — we bring receipts.
Example · £25,000 salary · no student loan
Take-home each month
£1,793
Tax and NI: HMRC 2026/27, England
Your numbers,
30 seconds.
All tools
Calculator · 30 secWhat’s actually left
After rent, bills and tax, what do you really keep each month?
Try it
Calculator · 40 secPhone bill check
What your contract really costs, and what happens when it ends.
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Calculator · 20 secAir fryer vs. oven
What each one costs to run at today’s energy price cap.
Try it
TrackerEating-out calendar
Tap the days you ate out. See the month and the year.
Try it
PlannerMoney pots
Christmas, holidays, birthdays — split into weekly amounts.
Try it
DictionaryNo Jargon
Every money word in plain English, and how they connect.
Try itSpend smarter. Start something.
Spend Smarter
Worth It?£500: cards, kicks or savings?
Pokémon cards vs. savings — the break-even maths and the risks.
OpenThe SwapCinema for less
Tickets from £2.49, and whether a pass is worth it.
Open
FreeFree, outdoors and with friends
Museums, parkrun, libraries and free weekend ideas.
OpenChallengeNo-Spend Weekend
Tick off free things and share what you kept.
Open
Start SomethingGot an idea? Start small.
Startup costs, what to charge, and side hustle tax.
OpenSubscriptionsSubscription audit
Add up your subscriptions and find cheaper ways to keep them.
OpenThe Weekly Receipt · 9 November 2026
This week in money
- Bank RateThe Bank of England set Bank Rate at 4% on 5 November. Savings rates usually follow within weeks. More →
- MonzoMonzo’s instant access savings rose from 2.75% to 2.80% on 5 November. More →
- Black FridayBlack Friday is 27 November — the first one since BNPL became regulated. More →
- SwitchingBarclays is offering up to £300 to switch. Lloyds’ £200 offer needs your switch started by 9 December. More →
- RentsNew ONS rent figures land on 18 November. UK average: £1,406 a month, up 3.8%. More →
Number of the week
£381a year: the difference on £10,000 between the lowest big-bank easy-access rate we found (0.75%) and the top of the market (4.56%).
Compare the banks →Money dates coming up
Guides18 Nov
New ONS rent and house price figures
27 Nov
Black Friday
9 Dec
Last day to start a Lloyds switch for £200
25 Dec
Christmas Day (a Friday)
1 Jan
New energy price cap period starts
31 Jan
Self Assessment tax return and payment deadline
TL;DRPut these in your calendar. Switching deadlines and price changes are the easiest wins to miss.
Guides and myth-busting
All guides
Big MovesSo you’re having a baby…
The costs, the support you can claim, and what to buy new.
ReadBig MovesMoving out
Deposits, bills and the new renters’ rules — with an upfront cost calculator.
ReadBig MovesYour first job
Your payslip line by line, tax codes, pensions and the paperwork to keep.
Read
Season PassChristmas money
Gift list calculator, Black Friday, BNPL and your rights on returns.
ReadHype CheckMoney myths, checked
Eight things people say about money, tested against the data.
ReadWhat banks pay you
right now.
Compare every bankChase
4.50%Chase Saver (boosted) · intro rateOnlineStarling
4.00%Easy Saver · intro rateOnlineMonzo
2.80%Instant Access SavingsBuilding societyNationwide
2.30%Flex Instant SaverEasy-access AER, checked 9 November 2026. The big high street banks paid 0.75%–2%. High street vs. online banks
Quick answers.
All questionsHow much tax will I pay on £25,000?
AnswerOwed to YouCan I claim tax back for washing my work uniform?
AnswerOwed to YouDo I get a council tax discount if I live alone?
AnswerBanksAre online banks like Monzo and Starling safe?
AnswerStudent loansHow much will I repay on my student loan each month?
AnswerCreditDoes buy now, pay later affect my credit score?
AnswerReport · Rent vs. Pay
UK rents rose 3.8% in a year. Here’s what that means for your pay.
Built from the latest ONS rent and earnings data. Free to read, share and quote.
average UK private rent a month (ONS, 12 months to September 2026)
The deal.
No lectures.
Prices and rent move. We show you the numbers, then the bits you actually control.
No selling.
Facts and trade-offs, never a sales pitch. Your money, your call.
Receipts on everything.
Every number links to its source and the date we checked it.
How we make money: clearly labelled sponsors and partnerships — never inside the numbers, always shown up front. The full details.