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
Check the latest UK money figures
Use the official release for the latest value and reference period.
- Bank of England base rate
Latest release from Bank of England
- UK CPI inflation
Latest release from ONS
- UK unemployment rate
Latest release from ONS
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.
Net Cashback Calculator
Calculate cashback after fees, monthly caps and other costs. Compare recurring annual value with the first year including a one-off bonus.
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
Estimate a borrowing range from your income, commitments and assumptions. Each lender makes its own affordability decision.
Guides worth reading.
Long-form pieces that explain how the maths and the rules actually work — not surface-level lists.
UK Households Spend £6,157 a Year on Bills — What Cashback on That Is Actually Worth
ONS data puts average UK household spending on housing, fuel and power at £118.40 a week — £6,156.80 a year. Here's what a range of real cashback rates would actually return on that, worked through with fees and caps.
TaxHow Much Will I Repay on My Student Loan? (UK Plans 1, 2, 4, 5 & Postgraduate)
UK student loan repayment is 9% of income above your plan's threshold (6% for Postgraduate Loans) — not a fixed monthly amount. Thresholds, rates and write-off periods for every plan.
Banking and CreditDoes Checking My Credit Score Lower It?
No — checking your own credit score or report is a soft search and never affects your score, no matter how often you do it. The distinction that matters is soft vs hard searches, not who's looking.
CashbackAre Cashback Rewards Taxable in the UK?
Cashback on your own spending isn't taxable under HMRC's own rules — but referral bonuses and introducer payments are treated differently. The distinction that actually matters, with sources.
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. We link to relevant official guidance and publish corrections when we identify errors. 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.
Your next money question.
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