UK personal finance, in plain English.
Guides and calculators on the money decisions that actually matter — ISAs, pensions, salary sacrifice, savings, tax, mortgages. No advice, no sales pitch, just clear numbers and the maths shown.
Built by data engineers · Written for real people · Updated for 2026
UK money snapshot
- 3.75%
- 3.3%
- 4.4%
Tools that do the maths for you.
Stop guessing at financial decisions. Plug your numbers in, get a clear answer, see exactly how the calculation works.
Take-Home Pay Calculator
See what actually lands in your bank after tax, NI, pension and student loan — for England, Wales, NI or Scotland.
Stamp Duty Calculator
SDLT, LBTT or LTT — work out the property tax owed in England, Scotland or Wales, with first-time buyer and second-home rules.
Mortgage Affordability
How much a UK lender would actually let you borrow — with the same stress test they use.
Guides worth reading.
Long-form pieces that explain how the maths and the rules actually work — not surface-level lists.
UK cashback current accounts — the rewards, the catches and what to watch for
How reward current accounts work in the UK, the typical structures (flat monthly reward, transaction cashback, bill-pay cashback), the eligibility hoops, and where they sit alongside cashback credit cards in a rewards stack.
CashbackUK cashback credit cards — how the rewards work and when they pay off
How cashback credit cards calculate rewards, the difference between flat-rate and tiered cards, the annual-fee maths, the impact on credit score, and the situations where cashback cards do — and don't — pay for themselves.
ISAsTransferring an ISA the right way — the rule that protects your allowance
How official ISA transfers work, why pulling the cash out yourself usually costs you the tax-year wrapper, the current-year rule that catches people out, and how partial transfers fit in.
Energy BillsUK smart meters explained — what they actually do and why tariffs changed
How UK smart meters work, what changed once they became widespread, the time-of-use tariffs they enabled (Economy 7, EV tariffs, half-hourly), and the legitimate concerns that still pop up.
What makes RichQuid different.
Built by data engineers, not bankers
RichQuid is run by software engineers who got tired of vague financial websites. Every calculator on this site shows you exactly how the answer was reached. Every guide is fact-checked against HMRC and FCA sources. If we make a mistake, we fix it and credit whoever spotted it.
No advice, no upselling
We don't have a sales team. We don't sell courses or premium newsletters. We earn a small commission when readers open accounts with providers we mention — clearly disclosed, never affecting what we recommend. If a provider isn't worth recommending, we don't recommend it.
Transparent about the maths
Most financial sites tell you the answer and skip the working. Every calculator on RichQuid explains the formula, lets you adjust the assumptions, and shows you why the answer is what it is. The maths is yours to check.
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