Free tools, no sign-up needed
Money, explained with your own numbers
Five quick tools built for UK students. No jargon, no sales pitch, just the numbers that actually decide whether your term works, and what to do about them.
Student loan calculator
What Plan 5 really costs with your numbers, and how much gets written off.
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Payslip decoder
Your first payslip, line by line: tax, NI, student loan and pension explained.
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Student budget builder
Turn a termly loan drop into one weekly number you can actually live by.
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Compound growth: 20 vs 35
See what starting fifteen years earlier does to the same monthly amount.
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True cost of credit
BNPL, overdrafts and minimum payments: what borrowing actually costs.
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Illustration only, not financial advice. Every tool runs in your browser, so nothing is saved unless you choose to share your email.
Like tools that tell you the truth?
HeadStart members get the full versions with their real numbers, plus scholarships, mentoring and a plan that starts before freshers’ week.