You are leaving Cookie-Free.co.uk and visiting a partner website. Please note:
The partner site has its own cookie and privacy policy
They may use tracking cookies and analytics
We may earn a small commission if you apply — at no cost to you
Our calculator results are independent and unaffected by this
Cookie-Free.co.uk is not responsible for content on external sites
🍪
Cookie-Free.co.uk
Free UK financial calculators — please read before using this site
⚠️ Not Financial Advice
Cookie-Free.co.uk is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice, guidance or personal recommendations of any kind.
All calculators and tools on this site produce estimates for general information and illustration purposes only. Do not base any financial decision on these figures. Always seek advice from a qualified, FCA-authorised financial adviser before committing to any financial product or making significant financial decisions.
What Cookie-Free.co.uk is:
🧮
Free calculators Mortgage, pension, loan, savings, tax and more — all running locally in your browser
📖
Background information Plain-English explanations of how financial products work — not advice on whether to use them
🔒
Completely private No data you enter is ever stored or transmitted — all calculations happen in your browser only
🔗
Affiliate links Some links to providers are sponsored and clearly marked. We may earn a small commission at no cost to you
What Cookie-Free.co.uk is not: a financial adviser · an IFA · a mortgage broker · a pension adviser · an insurance intermediary · a lender · a bank · FCA authorised or regulated. Results from our calculators are estimates only and may differ from figures provided by lenders, HMRC or financial institutions.
I understand that Cookie-Free.co.uk is not regulated by the FCA, does not provide financial advice, and that all calculator results are estimates for illustration only. I will seek qualified financial advice before making any significant financial decision.
Tick this box and we will not show this notice again on this device.
By continuing you confirm you have read and understood the above. Full Privacy Policy & Terms available on the site.
🍪 Our cookie policy — Cookie-Free.co.uk uses no tracking or advertising cookies. We use only essential browser storage to remember your preference on this notice. All financial calculations run entirely in your browser — no data is ever sent to our servers. Learn more
🍪 Our Cookie Policy
✅ This site does not use tracking cookies
Cookie-Free.co.uk was built from the ground up with privacy in mind. We do not use Google Analytics, Facebook Pixel, advertising networks or any other tracking technology.
What we do use:
localStorage (essential only) — We store one item in your browser's local storage: your preference to dismiss this cookie notice. This never leaves your device and contains no personal information.
Google Fonts — We load fonts from Google Fonts (fonts.googleapis.com). This is a standard web service. Google may log the font request but receives no personal data from us.
All calculations — Every financial calculation runs entirely in your browser. No salary figures, no personal data, nothing is ever sent to our servers.
Your rights:
Under UK GDPR and PECR you have the right to know what data is collected about you. In our case: essentially none. If you have any questions email hello@cookie-free.co.uk
Last updated: April 2025 · Cookie-Free.co.uk is not FCA regulated and does not provide financial advice.
⚖️ ISA vs Pension Calculator
Should your extra savings go into an ISA or a pension?
Guidance only - not financial advice. Results are estimates. Lenders may calculate differently. Do not base any financial decision on these figures - for illustration only. Always seek advice from a qualified FCA-authorised financial adviser.
💰 Your Situation
£
yrs
%
⚖️
Ready to take the next step?
Open the right account for you
SPONSORED
Whether ISA or pension wins for you, the important thing is to start. Both accounts are available online in minutes.