Free UK money and consumer rights tools
Twelve tools that give you a straight answer. The consumer rights checkers tell you where you stand, with the statute or regulator cited and linked. The money calculators work out a number and show you every line of the arithmetic so you can check it. Every one runs in your browser. No sign-up, no email capture, no bait-and-switch at the end.
Consumer rights — Where you stand against a company or a regulator, with the statute cited.
Flight delay compensation calculator
Work out whether a delayed, cancelled or overbooked flight qualifies for £220, £260, £350 or £520 under UK261, and what defence the airline is likely to run.
Section 75 claim checker
Check whether your credit card provider is jointly liable for a purchase that went wrong, and what stops a section 75 claim in practice.
Parking ticket appeal checker
Find the right appeal route and deadline for a private parking charge or a council PCN, and see whether your grounds are strong enough to be worth filing.
Energy bill overcharge checker
Compare your unit rate and standing charge against the current Ofgem price cap, and check whether a backdated bill breaks the 12-month back-billing rule.
Broadband and mobile price rise checker
Check whether a mid-contract price rise was notified properly and whether you have a penalty-free right to leave under the Ofcom General Conditions.
Council tax band challenge checker
See whether you have a legal right to challenge your band or only an informal review, what evidence you need, and the risk that your band goes up.
Your money — Work out a number about your own finances, with the arithmetic shown.
Take-home pay calculator
Turn a gross salary into what actually lands in your account, with Income Tax, National Insurance, every student loan plan, pension contributions and Scottish rates all shown line by line.
Mortgage repayment calculator
Monthly payment, total interest and total repaid on a repayment mortgage, plus what an overpayment saves you and what happens if rates go up when you remortgage.
Overpay the mortgage or save it?
Compare your mortgage rate against a savings rate after tax, allowing for the Personal Savings Allowance, and see which leaves you better off over your chosen horizon.
Subscription audit calculator
List your recurring payments and see the true annual cost, the cost per actual use, and what the same money would be worth if you saved it instead.
Bill increase impact calculator
Add up what this year of price rises across energy, broadband, mobile, insurance and council tax actually costs you, and see which of them you have a right to challenge or exit.
Savings goal and compound interest calculator
Solve for whichever bit you do not know: the final pot, the monthly amount, the time or the return needed, with an inflation-adjusted view of what it is really worth.
How these tools are built
Every answer is worked out from rules we can point to. Each tool lists the legislation, government guidance or regulator page it relies on, with a link to the official source, and those sources are restricted to primary legislation, GOV.UK, statutory regulators such as Ofcom, Ofgem, the Financial Conduct Authority, the Civil Aviation Authority and the Valuation Office, and statutory ombudsmen. We do not cite comparison sites, trade bodies, news articles or law-firm blogs. A citation is only as good as its source.
The money calculators work the same way. Every tax-year figure they use, the Income Tax bands, the personal allowance and its taper above £100,000, the National Insurance thresholds, all five student loan plans, the Personal Savings Allowance, the ISA allowance and the Scottish bands, lives in a single file with the tax year stated, a verification date, and a link to the GOV.UK page each number was read from. Every calculator prints the tax year on screen, so a stale figure is visible to you rather than hidden from you.
They also show their working. A total on its own asks you to trust us. A line-by-line breakdown lets you check the arithmetic, spot where an assumption does not match your situation, and see exactly which threshold produced the answer.
The calculations are deliberately conservative. Where a rule has conditions or exceptions, the tool says so rather than rounding up in your favour. Where the honest answer is that you have no claim, it says that too. Telling someone they are owed £520 when the correct figure is £260, or that they can leave a contract when they cannot, does not help them, it just means they get knocked back by a company that knows the rules better than they do.
None of these tools will quote you a success rate or promise an outcome. Outcomes turn on evidence and facts that a web form cannot see, and anyone claiming otherwise is guessing.
Why they are free
Knowing where you stand is the easy half. The hard half is writing a letter that cites the right provision, sending it to the right place, keeping a record of what you sent and when, running the eight-week clock, and knowing the moment the ombudsman route opens. That is what Paybacker does, and that is what we charge for.
These tools stay free and open whether or not you ever sign up. There is no gate at the end, no email required to see your result, and nothing you enter is sent to us or stored anywhere.
Want the letter drafted and the response tracked? The free plan includes three letters a month and does not need a card.
Start free →Paybacker is not a law firm and these tools do not give legal advice. They provide general guidance about UK consumer law applied to the answers you give. Rules change and the outcome of any dispute depends on facts and evidence we cannot see from a form. For complex or high-value disputes, court proceedings, or anything you are unsure about, consult a qualified solicitor or Citizens Advice.
Paybacker is not authorised to give financial advice and the money calculators do not give any. They are arithmetic applied to figures you enter, using published tax-year rates. They take no account of your circumstances, your other commitments or your goals, and nothing on this site is a personal recommendation to take or refrain from any financial action. Tax treatment depends on individual circumstances and can change. For advice on your own position, speak to a regulated financial adviser, or to MoneyHelper or Citizens Advice for free guidance.