About SimplyCalc
Last updated: May 2026
Why we built this
SimplyCalc was built out of a straightforward frustration: most online calculators are buried inside financial product pages trying to sell you something, surrounded by intrusive advertising, or simply inaccurate. We wanted something different — a clean, honest tool that gives you real answers with no agenda.
Every calculation on SimplyCalc runs entirely in your browser. Nothing is sent to any server. We do not know what you calculated, how much you earn, or what mortgage you are considering. That is a deliberate design choice, not a policy statement.
Who we are
SimplyCalc is run by a small independent team with backgrounds in financial services, data analysis, and software engineering. Our editorial contributors have professional experience in personal finance, mortgage advice, and tax planning across the UK, EU, and US markets.
We are not a financial advisory firm. We do not hold FCA authorisation or equivalent regulatory approval in any jurisdiction. The calculators and articles on SimplyCalc are for informational and educational purposes. They should not be taken as personalised financial advice. For decisions involving significant sums of money — particularly mortgages, pensions, and investments — we always recommend consulting a qualified independent financial adviser.
You can reach the team at hello@simplycalc.io.
How we ensure accuracy
Every calculator is checked against official government and regulatory sources. Tax calculations use current HMRC, IRS, and equivalent European tax authority rates. Mortgage calculations use standard amortisation formulae. BMI and health calculations use WHO reference standards. We note the tax year or rate period each calculator uses, and we update rates when they change.
Blog articles are reviewed for factual accuracy before publication. Where we cite statistics or reference external research, we link to the primary source. If you notice an error — in a calculation or in an article — please email us. We correct mistakes quickly and acknowledge corrections.
Calculator results can differ from real-world figures because tax codes, lender criteria, and rates vary by individual circumstances. We show our working — every calculator includes an explanation of how the result is calculated so you can understand, not just trust, the output.
How we make money
SimplyCalc is funded by advertising through Google AdSense. We do not accept affiliate arrangements with financial product providers, and we do not accept payment to feature or recommend specific products. The calculators exist to be useful, not to funnel users toward commercial products.
We do use Google Analytics to understand how visitors use the site — which calculators are most used, which articles are most read, where users come from. We have a consent banner on every page. If you decline cookies, analytics does not run.
The calculators
SimplyCalc currently has seventeen free calculators covering mortgage payments and amortisation, salary and take-home pay across six countries, BMI and body composition, loan repayment, savings goals, VAT, tip splitting, retirement planning, debt payoff, inflation, percentage calculations, currency conversion, calorie and TDEE calculation, menstrual cycle tracking, age calculation, and investment and ISA growth projection.
Each calculator is accompanied by explanatory content — not just the tool itself, but an explanation of the methodology used, the formula applied, what the result means in practical terms, and what to do next with the information. We think a calculator that only gives you a number is only half useful.
The site supports regional settings for the United Kingdom, United States, Germany, Norway, Australia, and Canada. Tax calculations use the current rates for each jurisdiction; where rates have changed significantly in recent years, we provide a tax year selector so you can calculate historical take-home figures for self-assessment purposes.
The blog
The SimplyCalc blog publishes in-depth guides to personal finance topics — mortgage rates, retirement planning, ISA versus pension, renting versus buying, compound interest, car finance, credit scores, emergency funds, and more. Each article is written to work through real numbers, not just explain concepts. We show the maths.
Articles are typically 2,000–4,000 words. We prioritise depth over quantity. A guide that actually helps you make a better financial decision is more valuable than ten guides that explain the surface of a topic without giving you anything to act on.
What makes SimplyCalc different
Most calculator sites are either thin tools with no explanatory content, or content sites with calculators bolted on as an afterthought. We try to do both properly: calculators that actually work for the full range of situations people encounter, alongside honest explanations that help you understand what the numbers mean.
We support six regional settings — UK, USA, Europe (Germany), Norway, Australia, and Canada — so the example numbers and explanations are relevant to where you actually live. The calculators themselves work in any currency; the regional setting adjusts the illustrative examples in the surrounding text.
No account. No paywall. No data collected. Just calculations.