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.
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-like how amortisation works or how to think about an emergency fund-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. 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.
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. For the full picture on disclaimers, health information, advertising, and third-party cookies, read our legal & disclaimer 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.