Guides
Plain-English explainers on the questions our calculators answer. Each guide ends with the relevant tool, so you can run the numbers on your own situation.
How much mortgage can I really afford in 2026?
Lenders quote a multiple of your income — but what you can actually live with depends on rate, term, and what's left after the rest of life.
Stamp DutyHow does stamp duty work for second homes?
The 5% surcharge, the 36-month rule, and the trap people fall into when they buy before selling.
FIREWhat is FIRE — and can I really retire early?
The 25× rule, the 4% rule, and how a small change in savings rate moves your finish line by a decade.
Side HustleIs my side hustle actually profitable?
Most side hustles look profitable until you cost in your own time. Here's how to tell whether yours pays better than a Saturday shift.
PropertyRent vs Buy: when does buying actually win?
"Rent is dead money" is a myth. The real answer is the breakeven horizon — and why staying under 5 years usually means renting wins.
InvestingCompound interest: 25 vs 35 changes everything
A decade of delay can more than halve your final pot. The maths is simple — but the consequences are extreme.