Disclaimer

Family Sums calculators give estimates to help you plan. They are not financial, legal, tax or education advice, and they don’t take account of everything about your situation.

Official bodies such as Student Finance England, HMRC, your employer’s payroll, your council and your school make the decisions that count. Where their figure differs from ours, theirs is the one that applies.

We work hard to keep figures correct and up to date, and we show the date each page was last checked. Rules change, though, and we can’t guarantee every page is right at every moment. Please check important decisions with the official service linked on each page, or with a qualified adviser.

Family Sums is independent and isn’t connected to any government department, student finance body, UCAS or council.

Free, impartial help is available from Citizens Advice and MoneyHelper.