About Summate
Summate is a free collection of online calculators and short guides for everyday money questions, budgeting, borrowing, and light health estimates. The site is aimed at people in the United Kingdom and elsewhere who want quick, transparent maths-not a sales pitch or a substitute for professional advice.
Who Summate is for
Summate is built for people who want to understand everyday money maths without signing up for a product or sitting through a sales call. Typical visitors include renters saving for a deposit, employees checking whether a payslip looks right, borrowers comparing loan terms, and anyone building a first emergency fund. You do not need a finance background—just willingness to read assumptions and treat numbers as a starting point for your own research.
What you will find here
Our tools cover common scenarios: saving toward a goal, comparing debt payoff strategies, estimating loan repayments, checking mortgage affordability bands, converting salary to an hourly rate, and estimating UK take-home pay with typical deductions. Each tool shows its assumptions clearly where possible, because small changes in inputs can change the picture a lot.
Alongside calculators, we publish guides that explain ideas—how amortisation works, how to think about an emergency fund, or how UK lenders assess mortgage affordability—in plain language. The glossary defines terms you will see across the site.
Editorial approach
Content is written to be accurate at a general level and helpful for learning. Each calculator page includes an "About this calculator" section explaining what the tool does, UK context where relevant, and limitations. Guides go deeper on topics such as compound interest, mortgage affordability, and debt payoff strategies.
We avoid guarantees, "get rich quick" framing, and personalised recommendations. Markets, tax rules, lender criteria, and employer payroll all change; always confirm anything important against official sources or a qualified professional.
Who runs Summate
Summate is operated as an independent educational project focused on transparent, free-to-use calculators and guides. We are not a bank, lender, insurer, or regulated financial adviser. Content is researched and written for general education; we update guides when tax years or common rules change and note a "last updated" date where relevant.
Questions, corrections, or accessibility feedback are welcome via our contact page.
Privacy and your device
Theme choice, favourites, and recently used tools may be stored locally in your browser so the site feels consistent when you return. That data stays on your device. Calculator numbers are not sent to our servers. For the full picture on analytics, advertising, and your rights, read our privacy policy. Disclaimers and terms of use are on the legal page.
Start exploring
If you are new here, try the home page to browse by category, or open a guide such as understanding loan repayments before using the related calculators.