Palta Money
About
Palta Money is a UK personal finance analysis site for everyday money questions — mortgage repayments, take-home pay, loans, savings, and debt. Enter a rough scenario and see clear numbers update as you change inputs. We are not a bank, broker, or adviser.
Who it is for
Anyone in the UK who wants to understand a money topic before making a decision — buying a home, checking salary after tax, or planning repayments. You do not need spreadsheet skills. Each calculator starts with one straightforward question (for example, “what is my monthly payment?” or “what is my take-home pay?”) and adds optional depth only when you ask for it.
How each calculator is laid out
- Inputs — your scenario (price, salary, loan terms, and so on).
- Results — the headline answer, updating as you type.
- Analysis — optional “what if?” panels (sensitivity charts, compare offers, buy vs rent) that stay tucked away until you open them.
- Tables — detailed schedules with CSV download where it helps (for example, mortgage payment breakdowns).
Field labels include short tooltips. Full tax bands, rates, and sources live on each tool's assumptions or transparency page — linked from the calculator — not buried in fine print and not dumped on the main form.
What is live today
The mortgage calculator estimates repayments, stamp duty (SDLT, LBTT, and LTT), and ownership costs for England, Scotland, and Wales. Use the stamp duty calculator for a focused tax estimate, the council tax calculator for English billing authorities, or see mortgage assumptions for bands and sources.
The salary calculator estimates UK take-home pay from gross salary. See salary transparency for tax bands and sources.
Financing, investment, and debt calculators are in development. They appear on the home page as Coming Soon until each one is ready to promote.
How to use these tools
- Start with the core inputs; check Results before opening optional panels.
- Read assumptions on the transparency page before relying on a figure.
- Share a link to reproduce your inputs — useful for conversations, not a substitute for professional advice.
Guides
Short articles on ownership costs, rent vs buy, stamp duty, remortgaging, and pay — focused on things that are easy to miss when you are modelling a scenario. Each links into the calculators so you can try your own numbers.
Related reading
Important
Palta Money is for education and planning only. It is not regulated financial advice, and we do not recommend specific products or lenders. Tax rules and rates change; always confirm figures with official sources or a qualified adviser before you commit.