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A small, independent UK personal finance site — built to give you fast, ad-supported tools that don't ask for your details.
Pennywise Finance publishes free calculators and plain-English guides covering UK savings, mortgages, loans, ISAs, investing and pensions. Everything you see is original editorial work. Calculators run entirely in your browser — your numbers are never sent to a server, and we never ask for an email address to use them.
Pennywise Finance is published by POW XD Ltd, a company registered in the United Kingdom that runs a small portfolio of consumer utility sites. Pages carry the site name, "Pennywise Finance", as author rather than a named person. There is no team of researchers, editors or named experts behind the byline, and we don't claim one.
Our guides are drafted with AI assistance and checked against official sources (GOV.UK, HMRC, the FCA, the FSCS and providers' own published terms) before publishing. Figures are reviewed on the date shown. This is general information, not financial advice.
Our approach to how content is written, reviewed and updated is set out in our editorial policy; our approach to reviewing providers is in our review methodology.
We are not authorised by the Financial Conduct Authority to give regulated financial advice, and we don't claim professional financial-adviser qualifications. Our content is general UK personal-finance information and educational tooling — not a substitute for regulated advice on a specific situation.
Running and maintaining a finance site has real costs (domain, hosting, the time to keep guides accurate). To keep the tools free, we display advertising provided by Google AdSense and we earn affiliate commission on some links (for example to Emma, Hargreaves Lansdown and InvestEngine). Affiliate links are marked as sponsored, and a few calculator pages include one alongside the results. Pages with affiliate links carry a disclosure, and every partner is listed on our affiliate disclosure page. We do not accept payment to feature, recommend or rank specific financial products. See how we make money.
Pennywise Finance is not a regulated financial adviser and we do not provide personalised financial advice. The calculators and articles are educational. For decisions involving large sums, complex tax situations, or your retirement, please speak to an FCA-authorised adviser. The free, government-backed MoneyHelper service is also an excellent starting point.
Every calculator is built from published HMRC, FCA and lender formulas. ISA allowances and tax bands are reviewed at the start of each UK tax year (6 April). Mortgage and loan formulas use the standard amortisation maths used by all UK lenders. If you ever spot a number that looks off, please tell us — we'll check and fix it quickly.
We don't collect personal information through the calculators. We use Google Analytics to understand which pages get visited, and Google AdSense for advertising. Our banner asks for consent to analytics cookies and the Awin affiliate tag; Google's own consent message asks UK and EEA visitors about advertising cookies. The full privacy policy has the detail.
Found a bug, have a calculator request, or spotted a number that doesn't add up? We read every message. Use the contact page to drop us a line.
Our newsletter and audience workflows run on Kit (formerly ConvertKit) — purpose-built for independent publishers and creators rather than consumer finance use cases.
Affiliate link. Not a personal finance product recommendation — Kit is the platform we use to run our own publication.