£MoneyMate UK
Plain-English UK money guides and tools
UK personal finance, made usable

Understand your money.Then check the numbers.

Straightforward guides to banking, savings, pensions, mortgages, tax and investing — plus small calculators that help you make sense of the maths.

Browse guides →Use a calculator →
FIND A STARTING POINT£

What are you trying to work out?

OverdraftsSavings interestMortgage overpaymentsPensions
POPULAR STARTS
What is an overdraft?Index fundsRemortgagingSIPPs
01

One useful thing at a time

No jargon wall. Start with the question.

BANKING

What actually happens when your balance goes below £0?

Arranged vs unarranged overdrafts, how the interest works, and a quick cost checker.

READ THE GUIDE →
CURRENT ACCOUNT
−£312.40
Overdraft used£312.40
Arranged limit£500.00
Rate39.9% EAR
02

Index funds in the UK

Accounts, funds, charges and risk in a sensible order.

 03

A financial plan that starts with real life

Income, bills, debt, buffers and goals.

 04

SIPP pensions explained

What the letters mean and what matters before you act.
02

Tools that answer one question

No signup. Nothing saved.

01Savings interestWhat could this balance become?Open tool → 02Compound growthHow much difference can time make?Open tool → 03Mortgage overpaymentCould extra payments shorten the term?Open tool → 04Budget plannerWhere does the month actually go?Open tool →
03

Try the numbers

A quick example, not a quote.

OVERDRAFT EXAMPLE

What could £500 overdrawn for 30 days cost?

Move the sliders. This uses simple interest for illustration and will not exactly match every bank’s calculation.

ROUGH INTEREST£16.40
How this works →
04

Browse by topic

Six ways into the site.

01BankingAccounts, switching and overdrafts 02SavingsInterest, ISAs and rainy-day funds 03PensionsWorkplace pensions, SIPPs and retirement 04MortgagesRates, overpayments and remortgaging 05TaxAllowances and common tax terms 06InvestingFunds, accounts and risk basics
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