Free tools
Run your own numbers.
Four simple calculators to help you see where you stand. No sign-up, no strings — and if the numbers raise questions, we're a phone call away.
Budget builder
Give every dollar a job. Enter your income and spending — each line in whatever frequency it's paid or billed — and see where you land.
A picture, not a plan — and not financial advice. Results simply re-arrange the numbers you enter (see How this calculator works). Nothing is stored or verified. For a budget built around your real life, talk to us. Sow Financial Limited, FSP1008822 — public disclosure.
Compound interest calculator
The quiet magic of starting early. See what regular contributions could grow into over time.
The shaded area is your money; the deeper green on top is compounding at work.
This is a tool, not advice. This calculator gives you a mathematical illustration based only on the numbers you enter and the assumptions described in How this calculator works. It doesn’t consider your personal situation, goals, tax position or risk tolerance, and it isn’t financial advice. Returns are not guaranteed — actual results will differ. Sow Financial Limited (FSP1008822) is a licensed financial advice provider; if you’d like advice about your own situation, book a free chat. Our public disclosure statement explains who we are and how we work.
Mortgage calculator
What your home loan really costs — and what a little extra each payment does to the finish line.
Loan balance over the life of the loan.
This is a tool, not advice — and not an offer of finance. This calculator estimates repayments from the numbers you enter, using the assumptions described in How this calculator works. It doesn’t consider your circumstances, and lenders will apply their own criteria, rates and fees — actual repayments will differ. It isn’t financial advice. Sow Financial Limited (FSP1008822) is a licensed financial advice provider; for advice about your own situation and goals, book a free chat. Our public disclosure statement explains who we are and how we work. Numbers you enter stay in your browser and aren’t sent to us or stored.
Debt payoff calculator
List your debts, choose your monthly budget, and compare the two classic strategies: Snowball (smallest balance first, for momentum) vs Avalanche (highest interest first, for maths).
Snowball
smallest balance first
Avalanche
highest rate first
Total debt remaining, month by month, for each strategy.
This is a tool, not advice. This calculator compares two common payoff strategies using the numbers you enter and the assumptions described in How this calculator works. It simplifies how lenders actually charge interest and fees, and it doesn’t consider your circumstances — so treat the results as a comparison of approaches, not a plan. It isn’t financial advice, and it isn’t budgeting or debt counselling. If your repayments feel unmanageable, talk to us or to MoneyTalks (0800 345 123, free and confidential). Sow Financial Limited (FSP1008822) is a licensed financial advice provider — our public disclosure statement explains who we are and how we work.
These tools are for general illustration only. They use simplified assumptions, don't account for tax, fees or your personal circumstances, and are not financial advice. For advice that fits your life, talk to us.
Numbers raising questions?
That's usually the moment a chat helps most. No pressure, no jargon.
Book a free chat