25 calculators for tax, mortgages, pensions, ISAs, 401(k)s, capital gains and more — each one engineered around the actual rules of your country. No sign-up. No stored data. 100% free.
No sign-up, no waiting for a callback, no "consult a professional" as the only response.
Flip the UK/USA toggle at the top once. The whole site adapts — currency symbols, tax brackets, terminology, allowances.
Filter by category — Finance, Legal & Business, or Lifestyle. 25 tools, each engineered around the actual rules of your country.
Numbers, a step-by-step explanation, and the exact rule that produced the result. Export to PDF or share a link.
Filter by category. Every tool adapts to your selected region automatically.
Federal + state (US) or PAYE + self-assessment (UK), with plain-English breakdown of every deduction.
FinanceUS short-term vs. long-term rates plus state add-ons, or UK annual exempt amount and CGT bands for property vs. other assets.
FinanceFHA/conventional rules (US) or affordability multiples + Stamp Duty (UK). Know what you can actually borrow.
Finance401(k) and Roth IRA paths for the US; Workplace Pension and SIPP routes for the UK. Forecast to retirement.
FinanceCompares UK Cash, Stocks & Shares, and Lifetime ISAs with US Roth and Traditional IRA limits, income phase-outs, and tax treatment.
FinanceWalks through US 401(k) to IRA rollovers or UK DB-to-DC transfers, with safeguarded benefits warnings over £30k.
FinanceAPR (US) vs APRC (UK) compared apples-to-apples. See total cost over the life of the loan instantly.
FinanceCategorises your spending and benchmarks it against cost-of-living data for your specific region.
FinanceCompares US HYSAs, CDs, and T-Bills with UK easy-access ISAs, fixed-rate bonds, and NS&I products.
FinanceUS self-employment tax or UK IR35 + Class 2/4 NICs. Work out the rate you actually need to charge.
FinanceUS 1099 + Schedule C with quarterly estimated tax reminders, or UK Trading Allowance (£1,000) and Self Assessment thresholds.
FinanceUS federal IDR plans (SAVE, PAYE, IBR) and refinancing math, or UK Plan 1/2/4/5 thresholds with 30/40-year write-offs.
FinanceMulti-currency tracker with region-specific buckets — HSA, 529, Roth IRA (US) or ISA, Premium Bonds, SIPP (UK).
FinanceSnowball vs. avalanche modelling with APR (US) and APRC (UK), including 0% balance transfer optimisation.
FinanceUS federal estate tax plus state-level inheritance taxes, or UK IHT with nil-rate bands and the 7-year taper.
FinanceUK SDLT bands including first-time buyer and additional property surcharges, or US state and county transfer taxes.
Legal & BusinessNDAs, freelance and service agreements with US state-specific or UK jurisdiction clauses baked in.
Legal & BusinessHonours US state law vs England & Wales vs Scotland — three distinct frameworks, not a generic template.
Legal & BusinessProper VAT handling for the UK or state sales tax for the US. Export to PDF, branded with your business.
Legal & BusinessChecks live domain availability plus USPTO (US) and UKIPO (UK) trademark databases before you commit.
LifestyleUS green card categories or UK Skilled Worker / Graduate / Family routes. Get a realistic shortlist in minutes.
LifestyleCap rate and 1% rule (US) or gross yield + Stamp Duty (UK). Closing costs modelled accurately per country.
LifestyleUS Schedule E deductions and depreciation, or UK Section 24 mortgage interest restriction with limited-company landlord modelling.
LifestyleUpload an Ofgem-regulated UK bill or a US utility statement. Get tailored savings actions ranked by impact.
LifestyleSwitches between metric (UK) and imperial (US), with grocery lists aware of Tesco/Sainsbury's or Walmart/Kroger.
A few of the differences our tools handle automatically — using 2025/26 thresholds.
Most AI tools are one-size-fits-everyone. AI Money Tools is engineered around the actual rules of your country.
Separate engines per country. Real HMRC and IRS rules, not a translation layer over a generic model.
Your numbers never leave the browser. We don't store inputs, results, or build a profile on you.
When HMRC or IRS changes a threshold, our tools reflect it within 30 days — guaranteed in writing.
Every result comes with a clear breakdown. No jargon. No "consult a professional" as the only answer.
If you don't see what you're looking for, drop us a line at hello@aimoneytools.com.
We're rolling out the first three tools — Tax Calculator, Mortgage Affordability, and Retirement Planner — to the early access list in waves. Drop your email below.
No spam. One launch email per tool, then you're done.