Stocks on eToro — your capital is at risk. Other fees apply. Sponsored by eToro — we may earn commission. #ad
Budgeting and Debt Hub
Choose a debt payoff route, protect your cash flow, and rebuild savings. Use this hub to move from short-term stability to long-term financial resilience.
Suggested path
- List your debts and choose snowball or avalanche strategy.
- Set a monthly budget and emergency fund target.
- Model longer-term growth with pension and compound interest tools.
Housing is usually your biggest budget line
If rent takes more than a third of your pay, it squeezes everything else. Check your salary against the 30x rule with the rent affordability calculator, and compare the long-term cost of renting versus buying with the rent vs buy calculator.
Planning calculators
View all tools →Debt Calculator
How long will it take to pay your debt off?
Debt Snowball vs Avalanche Calculator
Compare debt snowball and avalanche methods to find the fastest way to pay off multiple debts!
Car Finance Comparison Calculator
Compare HP, PCP, leasing and buying outright — total cost, monthly payments and true cost of ownership side by side!
Compound Interest Calculator
See the power of compound interest over time!
Investment Platform Fee Comparison
Compare annual ISA and SIPP fees across Trading 212, Vanguard, HL, AJ Bell and more!
Pension Calculator
Project your retirement pot, tax-free lump sum, and income against PLSA benchmarks!
Guides for action
View all guides →Complete Budgeting Guide
Master budgeting with the 50/30/20 rule, best apps, and strategies to save more money
How to Build an Emergency Fund
Learn how much to save and where to keep your emergency fund in the UK
Three Ways To Save Money
Three top tips to save money!
How to Cut Your Energy Bills UK 2026/27
Heating, hot water, appliances, lighting and tariffs: practical ways to cut your energy bills, using the confirmed 2026/27 rates.
Help With Energy Bills UK 2026/27
Grants, discounts and support if you are struggling to pay your energy bills, and the order to claim them in.
Types of Loans in the UK
Decision-first guide to UK loan types including unsecured, secured, bridging and Lombard loans
HP vs PCP vs Leasing: Which Is Right for You?
Compare hire purchase, PCP, leasing and buying outright — hidden costs, balloon payments, and when each option makes sense
How to Pay Off Debt Fast
Proven strategies to clear debt quickly using snowball and avalanche methods
How to Improve Your Credit Score
Complete guide to improving your UK credit score - check for free, fix errors, and boost your rating
What is a Good Credit Score UK?
UK credit score bands explained - Experian, Equifax, TransUnion ranges and what lenders actually look for
Debt Management Plan Guide
Is a DMP right for you? Compare DMPs, IVAs, and debt consolidation with pros, cons, and free help
Money-saving reads
View all posts →Energy Price Cap: Why January 2027 Could Jump 25%
EDF, British Gas and E.On Next predict a 24.9% cap rise to £2,152 a year in January 2027. What it means for your bill and how to prepare.
Air Fryer vs Oven: Which is Cheaper?
Real-world energy cost comparison - see exactly how much air fryers save vs ovens, microwaves, and hobs in 2026