💰 Money, Mortgages & Savings
Compound interest doesn't care how late you start — but starting earlier always wins.
What are my mortgage repayments?
Monthly repayment, total interest, and full amortisation for UK and US mortgages. Includes affordability check.
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What's my actual monthly loan payment?
Full amortisation schedule for any loan. See exactly how much goes to interest vs principal each month.
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How much will my savings grow over time?
Compound interest with monthly contributions. See what consistent saving really does over 10, 20, and 30 years.
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Am I on track to retire — and when?
Uses the 4% rule, State Pension (£11,973/yr for 2025/26), and your current savings to project your retirement date.
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What's my real take-home pay after tax?
Net pay after income tax, NI, pension, and student loan — UK and all 50 US states.
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🏠 Property & Home
Buying, selling, or letting — the numbers that decide it, using current UK rules.
How much stamp duty will I pay?
SDLT across every band for England & NI, with first-time-buyer relief and the higher rate for additional properties.
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How much house can I actually afford?
Works back from your income, deposit and outgoings to a realistic price — not just a 4.5× income multiple.
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What's my loan-to-value (LTV)?
Your LTV band decides which mortgage rates you can get. See exactly where your deposit lands you.
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Am I better off renting or buying?
Compares the true cost of both over your time horizon — fees, interest, and what your deposit could earn instead.
Compare →
What yield will this buy-to-let give?
Gross and net rental yield from the price, rent and running costs — the number that tells you if it stacks up.
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🔧 Everyday Tools
Quick, no-nonsense answers for things that come up all the time.
How old am I, exactly?
Your exact age in years, months, and days — plus days until your next birthday.
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What's the real price after this discount?
Work out the final price, amount saved, and stack multiple discounts or tax on top.
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I need a QR code, right now.
Turn any link, text, or contact card into a free QR code — download instantly, no sign-up.
Generate →
I need a strong password.
Generate a secure, random password with the length and character rules you choose.
Generate →
📖 Go deeper with our guides
Plain-English explainers on the things that matter. Read in under 10 minutes.
Finance
How compound interest works — and why it matters
The concept that makes patient people rich. Explained simply, with worked examples and the one mistake most people make.
Read guide →
Finance
How to work out what you can really afford to borrow
Beyond the income multiple — what lenders actually look at, and how to stress-test your budget before you apply.
Read guide →
Built for the question you're trying to answer
Flux Media Systems is an independent project — built around one idea: that the information you need to make a good decision should be free, fast, and honest. No paywalls, no sign-ups, no upsells. Just the answer.
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The full directory
💰 Finance & Money
🏠 Property & Home
🔧 Everyday Tools