Supercharge your personal finances
Discover UK-oriented financial tools and information
Make your finances
work 🚀 for you
Build financial confidence with
powerful, actionable tools.
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Free toolsNo adsPrivacy-first designNo cookiesEasy to useReal-time resultsFrequently asked questions
63% of UK adults do not feel they can determine what happens in their lives when it comes to money (FinCap, 2018).
Flow Finance aims to make personal finances less intimidating by empowering individuals with knowledge and tools. This website offers helpful financial calculators, guides and a flowchart, all designed to improve financial literacy and confidence.
It doesn't! Flow Finance is a platform designed to improve financial understanding without distractions or compromises.
There are no ads and no user tracking on this site. As someone who has benefitted from the UK since moving here in 2018, this website is a small contribution towards promoting better financial literacy.
The data you enter into this website, like your salary in the Salary Calculator or investment amounts in the Investment Calculator, is processed locally.
This means the information is never sent to servers or databases, as the calculations are performed and stored on your own device. This way, your data remains private and my servers don't need to do the work — win-win.
A lot of time and effort goes into keeping the content up-to-date and accurate, but — as I can never guarantee it to be perfect — you're still best served consulting with a financial advisor. These professionals can tailor their advice to your circumstances.
Please use this site at your own risk, as I can't accept liability if things go wrong. Thankfully many of the resources, like budgeting tips, remain relevant even when government policies change.
No, but please visit this site where you can support a charity close to my heart. Please consider donating to them instead.
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The complete source code for the financial calculators and the personal finance flowchart will be made available — free and open source under APGL — in Q3 2025.