🏠 Buying, Renting, or Owning a Home
Property is the biggest financial decision most people make. Get clear numbers before you commit.
How much stamp duty do I pay?
SDLT, LBTT, or LTT — depending on where you're buying. Includes first-time buyer relief and second home surcharges.
Calculate now →
Can I actually afford this house?
Find your realistic borrowing ceiling using UK income multiples, your deposit, and existing debts.
Find out →
Should I rent or buy right now?
Compare the true 10-year cost of renting vs buying — including opportunity cost, maintenance, and house price growth.
Compare →
What does overpaying my mortgage actually save?
See exactly how many months you shave off and how much interest you avoid by paying even a little extra each month.
Run the numbers →
How much equity do I have — and can I release it?
Calculate your current equity, LTV, and how much you could release if you remortgage at your lender's limit.
Calculate →
Is this buy-to-let actually profitable?
Gross and net yield after agent fees, mortgage interest, voids, and maintenance. See your real annual profit.
Check profitability →
💼 Work, Employment & Legal Rights
Know your rights — and your numbers — before you need them.
How much statutory redundancy pay am I owed?
Based on your age, years of service, and weekly pay — using the 2025/26 weekly cap of £643.
Calculate →
What's my statutory notice period?
Find your minimum notice entitlement and calculate your PILON (pay in lieu of notice).
Find out →
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.
Calculate →
What could I get from an unfair dismissal claim?
Estimate your basic and compensatory award based on service length, age, and lost earnings.
Estimate →
What rate do I need to charge as a freelancer?
Work backwards from your income goal, accounting for holidays, sick days, tax, and business costs.
Work it out →
Can I claim interest on an unpaid invoice?
Calculate statutory late payment interest (8% + BoE base rate) and fixed compensation under the Late Payment Act.
Calculate →
💰 Money, Savings & Investments
Compound interest doesn't care how late you start — but starting earlier always wins.
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.
Find out →
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.
See it grow →
What's my actual monthly loan payment?
Full amortisation schedule for any loan. See exactly how much goes to interest vs principal each month.
Calculate →
What are my mortgage repayments?
Monthly repayment, total interest, and full amortisation for UK and US mortgages. Includes affordability check.
Calculate →
⚖️ Family Law & Legal Questions
Understanding what you're entitled to — before you sit down with a solicitor.
How much inheritance tax will the estate owe?
Calculates using the nil-rate band (£325k), residence nil-rate band (£175k), spouse exemption, and charitable relief.
Calculate →
How much child maintenance should I pay?
Estimate Child Maintenance Service (CMS) payments based on income, number of children, and overnight stays.
Estimate →
How might our assets be split in a divorce?
Calculate how the matrimonial pot — property, savings, pensions, and debts — might be divided under UK principles.
Calculate →
Am I still within time to make a legal claim?
Check limitation periods for contract disputes, personal injury, property, and more — UK and US.
Check deadline →
🐾 Pet Health & Care
Quick, vet-referenced tools for dog and cat owners.
How old is my dog in human years?
Uses the 2019 PNAS scientific formula — not the outdated ×7 myth. Adjusted for breed size.
Convert →
Is my dog a healthy weight?
Body Condition Score (BCS) assessment and ideal weight range based on breed size. Includes feeding adjustment advice.
Check →
What dose of medication does my pet need?
Weight-based dosing for 12 common dog medications and 10 cat medications. Based on Plumb's Veterinary Drug Handbook.
Calculate dose →
How big will my puppy be when fully grown?
Predict adult weight from current weight and age using breed-size growth curves.
Predict →
🏥 Health & Wellness
Evidence-based tools for everyday health questions.
What time should I go to sleep — or wake up?
Based on 90-minute sleep cycles. Calculate the ideal bedtime or wake-up time to avoid that groggy feeling.
Calculate →
When is my baby due?
Due date, current trimester, and week-by-week milestones from LMP, conception date, or IVF transfer date.
Find out →
Am I at risk of Type 2 diabetes?
ADA risk assessment based on age, BMI, family history, and lifestyle. Get a personalised action plan.
Assess risk →
How many calories do I actually need?
TDEE calculation based on age, weight, height, and activity level — for weight loss, gain, or maintenance.
Calculate →
📖 Go deeper with our guides
Plain-English explainers on the things that matter. Read in under 10 minutes.
Property
How stamp duty really works in 2026
The complete breakdown of SDLT — what it is, when you pay it, who gets relief, and how the bands actually stack.
Read guide →
Employment
Your rights when made redundant in the UK
What you're legally entitled to, what "genuine redundancy" means, and what to do if it doesn't feel right.
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 →
Property
Should you rent or buy right now?
The honest maths — including the costs people forget, the opportunity cost of a deposit, and the break-even horizon.
Read guide →
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 →
Pet Health
What vets prescribe — and why
The most common medications vets prescribe for dogs and cats, what they do, and what questions to ask at your appointment.
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.
All 50+ free tools
Browse the full directory
🏠 Home & Property
💰 Finance & Money
⚖️ Legal & Employment
🐾 Pet Health
🏥 Health & Wellness
🔧 Everyday Tools