About MoneyCounterAI
Our Mission
MoneyCounterAI provides free, accurate financial calculators for the UK and US. We believe financial tools should be accessible to everyone, regardless of income or background. Our calculators help you make informed financial decisions about mortgages, taxes, debt, investing, and budgeting.
Why We're Different
- Free and No Signup: All calculators are completely free. No ads, paywalls, or registration required.
- Accurate Calculations: We use official 2025/26 UK tax bands, allowances, and regulations. US calculations follow current IRS guidelines.
- Transparent Methodology: All formulas and assumptions are clearly displayed. You can understand exactly how results are calculated.
- Mobile-Friendly: All calculators work perfectly on phones, tablets, and desktops.
- Regular Updates: We update calculators when tax rates, regulations, or financial products change.
Our Commitment to Accuracy
Financial information changes frequently. We're committed to keeping our calculators current with:
- Latest UK income tax bands and allowances (updated annually)
- National Insurance thresholds and rates
- Stamp duty schedules and thresholds
- ISA and pension contribution limits
- Bank of England base rate and typical mortgage product rates
- Current US tax brackets and deduction limits
Last Updated: March 15, 2026. All calculators reflect 2025/26 tax year rates.
E-E-A-T: Expertise, Authoritativeness, Trustworthiness
Expertise: Our team includes financial professionals with years of experience in mortgages, accounting, and financial planning. All calculators are built using industry-standard formulas and reviewed for accuracy.
Authoritativeness: We cite official sources (HMRC, Office for National Statistics, IRS, FCA) for all rates and regulations. Our calculations align with professional financial software.
Trustworthiness: We don't sell products, take commissions, or direct you to specific lenders. We provide unbiased tools to help you understand your own finances.
What We're Not
MoneyCounterAI is NOT regulated by the Financial Conduct Authority (FCA). We do not provide personal financial advice. Our calculators are educational tools that provide estimates only. Always:
- Verify results with your lender or mortgage broker before making commitments
- Seek independent advice from a qualified financial advisor before major financial decisions
- Check official sources (HMRC, IRS) for current tax information
- Read the full terms of any financial product
Our Calculators
We offer 38+ financial calculators across multiple categories:
- Mortgages: Affordability, monthly payments, stamp duty, overpayments, remortgaging
- Debt: Credit card payoff, snowball/avalanche, consolidation
- Tax & Income: Income tax, National Insurance, CGT, dividend tax, self-employed tax
- Savings & Investing: Compound interest, ISAs, pensions, investment returns
- Budgeting: Budget planning, expense tracking, spending allocations
- Other: Currency conversion, inflation calculator, tip calculator, and more
Contact & Feedback
Found an error? Have a suggestion? Contact us here. We welcome feedback and take accuracy seriously.
Important Disclaimer
MoneyCounterAI is not a substitute for professional financial advice. Our calculators provide estimates based on information you provide. Actual results depend on individual circumstances, which our tools cannot fully account for. Always seek professional advice before making significant financial decisions.