Credit scores
Credit utilization calculator
What is my credit utilization?
United Kingdom
Make smarter money decisions
Understand how credit, interest and savings actually work in the United Kingdom, run the numbers on your own situation, and compare the options — with every figure traced back to a source you can check.
Free, no account needed. 9 calculators and 12 guides for the United Kingdom.
Calculators
Run your own numbers
Every tool runs in your browser. Nothing you type is sent anywhere.
Saving
Compound interest calculator
What will my savings grow to?
Credit cards
Credit card interest calculator
How much interest will my credit card cost?
Debt
Debt payoff calculator
What order should I pay my debts off in?
Saving
Savings goal calculator
How much do I need to save each month?
Topics
Where would you like to start?
Written for the United Kingdom, not adapted from somewhere else.
Credit cards
How cards charge interest, what the fees mean, and how to pick one that fits.
Credit scores
What is measured, what moves a score, and what nothing can move quickly.
Banking
Everyday accounts, savings accounts, interest rates and deposit protection.
Saving
Emergency funds, compound growth and getting a savings habit to stick.
Debt
What debt actually costs, and the orders of repayment that cost least.
Money basics
The vocabulary: APR, APY, AER, interest, inflation and the rest.
Popular questions
Straight answers
How much of my money is protected if my bank fails?
The FSCS protects eligible deposits up to £85,000 per person, per authorised firm. The limit applies per banking licence rather than per brand, so two banks sharing a licence share one £85,000 limit between them.
What type of savings account should I use?
Match the account to when you need the money. Easy access for anything you might need without warning, a fixed-rate bond for money with a known date, a cash ISA where tax on the interest would otherwise bite, and a regular saver for building a habit on a small monthly amount.
What is AER?
AER — annual equivalent rate — shows what a savings account would return over a full year if interest were paid and compounded annually. UK providers must quote it so that accounts paying interest at different frequencies can be compared on a single number.
How is credit card interest calculated in the UK?
Interest is charged daily on the balance you carry, and added to your account each statement. If you clear the full statement balance by the due date, most cards charge no interest on purchases at all — the interest-free period is what makes the APR irrelevant to anyone who pays in full.
What is credit utilisation?
Credit utilisation is the proportion of your available revolving credit that you are currently using — your card and overdraft balances divided by your limits. UK lenders and credit reference agencies both weight it heavily, and unlike payment history it can change within a single statement cycle.
How can I improve my credit score in the UK?
Register to vote, check all three credit files for errors, get and stay current on every payment, bring card and overdraft balances down, and stop applying for credit for a while. The first two are free and can take effect quickly; the rest take months.
How this site works
Why you can check everything here
Sources you can open
Anything that can change — a rate, a limit, a rule — cites the FCA or the provider directly, with the date we checked it.
Written per country
AER rather than someone else’s convention, current accounts rather than a translated term, and FSCS protection where it applies.
Nothing invented
We do not publish a rate or a fee we have not read on the provider’s own page. Where a figure is unverified, it does not appear.
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Latest
Recently published and updated
Banking
FSCS Protection: What's Covered If a Bank Fails
The FSCS protects eligible deposits if an authorised firm fails. Here is the limit, why banking licences matter more than brands, and what falls outside.
Updated 25 August 2026 · 3 min read
Banking
UK Savings Accounts: Which Type Fits Your Money
Easy access, notice, fixed-rate bonds, cash ISAs and regular savers — what each is for, and how to decide between them.
Updated 25 August 2026 · 3 min read
Banking
What Is AER on a Savings Account?
AER shows what a savings account returns over a year once interest compounds. It exists so accounts paying monthly and annually can be compared honestly.
Updated 25 August 2026 · 3 min read
Credit cards
How Credit Card Interest Works in the UK
The interest-free period, how the daily rate is applied, what Section 75 gives you, and what the minimum payment is actually designed to do.
Updated 25 August 2026 · 4 min read
Credit scores
Credit Utilisation: What It Is and How to Lower It
Credit utilisation is how much of your available credit you are using. It is one of the fastest-moving things on a UK credit file.
Updated 25 August 2026 · 3 min read
Credit scores
How to Improve Your Credit Score in the UK
The steps that genuinely move a UK credit file, in the order worth doing them — starting with the free one most people have not done.
Updated 25 August 2026 · 4 min read