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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:

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Free calculators
Mortgage, pension, loan, savings, tax and more — all running locally in your browser

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Background information
Plain-English explanations of how financial products work — not advice on whether to use them

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Completely private
No data you enter is ever stored or transmitted — all calculations happen in your browser only

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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.
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By continuing you confirm you have read and understood the above. Full Privacy Policy & Terms available on the site.

🔒 Privacy, Affiliates & Terms

How we handle your data, our affiliate relationships and our terms of use

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.

📢 Affiliate Disclosure — Please Read

This website contains affiliate links. When you click certain links on this site — clearly marked with a SPONSORED label — and go on to apply for or purchase a financial product, we may earn a commission from the provider. This commission comes at no extra cost to you and does not affect the rates or terms you are offered.

We only link to regulated financial providers. The commission we earn does not influence which products we feature, the order we show them in, or any of the calculator results. Our tools and their outputs are completely independent.

1. About This Site

Cookie-Free.co.uk is a free financial calculator and information website. We provide tools to help UK residents understand their finances. Nothing on this site constitutes financial advice. All calculators produce estimates for information purposes only.

2. Affiliate Links & How We Make Money

This site is free to use and earns revenue through affiliate marketing. Affiliate links are clearly identified with a SPONSORED label wherever they appear.

When you click an affiliate link and complete an action (such as submitting an application or opening an account), the product provider pays us a referral commission. This is standard industry practice used by comparison sites such as MoneySuperMarket and GoCompare.

Our affiliate relationships do not affect:

The results produced by any of our calculators
The information and guides on this site
Which products we choose to link to

We only link to FCA-regulated providers or established UK financial brands. We recommend you always compare multiple providers before making any financial decision.

3. Data We Collect

Calculator inputs: All calculations run entirely within your browser. We do not transmit, store or process any of the financial figures you enter into our calculators. No account is required.

Analytics: We may use privacy-friendly analytics to understand which tools are most popular. No personal data is stored.

Affiliate tracking: When you click a sponsored link, the affiliate network (such as Awin or CJ Affiliate) sets a tracking cookie to attribute any subsequent application to our site. This is disclosed here and via the Sponsored label on each link.

4. Cookies

We do not set advertising or tracking cookies when you arrive at this site. Affiliate tracking cookies are only set when you actively click a Sponsored link to an external provider. You can refuse to click these links — all our tools remain fully free to use regardless.

5. FCA Compliance

Cookie-Free.co.uk is not authorised or regulated by the Financial Conduct Authority (FCA). We are an information and affiliate marketing website. We do not provide regulated financial advice. Where we refer you to a third party, that third party is responsible for their own FCA compliance.

All financial promotions on this site (including affiliate links) comply with the FCA's financial promotion rules. Sponsored content is clearly labelled. We do not make personal recommendations.

6. Disclaimer

Calculator results are estimates based on the information you enter and simplified assumptions. They are for guidance only and should not be relied upon for financial decisions. Always seek regulated financial advice before making significant financial commitments.

7. Contact

For queries about this site: hello@cookie-free.co.uk

Last updated: March 2026

Cookie-Free.co.uk is not FCA regulated and does not provide financial advice. For illustration only.