F
FutureMe

Your modern
financial advisor.

Figuring out taxes, investing, and saving shouldn't be a solo mission. FutureMe is the jargon-free hub designed to bridge the UK's advice gap. We're changing that.

Finances shouldn't be
this confusing

11%

of UK adults invest

63%

own their home

£15k

average household debt

40%

can't afford a £200 emergency

8.2M

adults lack a pension

LIVE
BBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h agoBBC NewsBank of England Holds Interest Rates at 5.25%2h agoFinancial TimesFTSE 100 Rises on Banking Sector Gains4h agoThe TimesInflation Falls to 3.9% in Latest Data6h ago

Personal Finance News

Why it pays to invest

Stocks & Shares ISAs historically deliver 7-10% annual returns vs 4-5% from Cash ISAs. See the difference compound over time.

Cash ISA Annual Return

4-5%

20y outcome: £49,109

S&S ISA Average Return

7-10%

20y outcome: £108,825

Why It Pays To Invest

✓

Compound Growth

Each year your investment grows, and the growth itself starts earning returns. Over 20 years, this exponential effect can turn modest investments into substantial wealth.

✓

Inflation Protection

Money in savings loses purchasing power over time due to inflation. Investing in stocks and bonds helps your wealth keep pace with or exceed inflation, protecting your future buying power.

✓

Long-term Wealth

Regular monthly contributions combined with compound growth create powerful wealth accumulation. Even small amounts invested consistently grow into life-changing sums over decades.

Initial Investment

£20,000

Compound growth over 20 years

£20k£35k£50k£64k£79k£94k£109kS&S ISACash ISA
Year 0Year 20

Power of Compounding

Cash ISA

You invested:£20,000
Interest earned:£29,109
Total return:145.5%

S&S ISA

You invested:£20,000
Interest earned:£88,825
Total return:444.1%

Chart shows percentage growth to account for compounding effects. The left axis shows £ amounts for reference.

How I'm Taxed.

Understand your exact tax liability with our advanced calculator. Get instant insights into your income tax, National Insurance, and take-home pay.

Income Tax Calculator

Income Details

First £500 is tax-free (2026/27 allowance)

Gross Income

£60,000

Take Home Pay

£45,358

Per month: £3,780

Total Income Tax

£11,432

National Insurance

£3,210

Effective Tax Rate

24.40%

Tax Breakdown

Personal Allowance

£0 - £12,570

-

Income Tax (Basic Rate)

20% on £12,570 - £50,270

£7,540

Income Tax (Higher Rate)

40% on £50,271+

£3,892

National Insurance (Class 1 Employees)

8-10% on earnings above £12,570

£3,210

Student Loan Repayment

None: N/A

£0

❄️ Impact of Frozen Tax Bands

Since 2021, personal allowance and tax bands have been frozen. Here's how this affects your tax bill:

Current System (Frozen)

£11,432

If Indexed to Inflation (2021-2026)

£8,968

Extra tax due to frozen bands: £2,464

Extra tax you pay this year due to frozen thresholds since April 2021.

Click here for more detail →

What does your
money actually
buy today.

See how UK inflation has eroded the real value of your money — and what everyday items now cost compared to when you started saving.

Compare from
You had then
£
2016
Data: Bank of England / ONS
Equivalent today
£1,385
2026

Key Metrics (Since 2016)

Avg price increase
+38%
Across basket of common items
Real wage growth
−2.8%
After accounting for inflation

💡 Click to see detailed impact breakdown

Your purchasing power lost: £278 per £1000

Price changes by category

Pint of milk+91%
£0.43→£0.82
Dozen eggs+48%
£2.10→£3.10
Coffee (250g)+66%
£3.25→£5.40
Loaf of bread+85%
£1.00→£1.85
Petrol (Litre)+27%
£1.08→£1.37
Diesel (Litre)+51%
£1.09→£1.65
London-Manc train+65%
£82.00→£135
Europe flight+59%
£110→£175
Electricity/month+230%
£50.00→£165
Gas/month+109%
£55.00→£115
Broadband/month+52%
£25.00→£38.00
Gym membership+45%
£38.00→£55.00
Cinema ticket+82%
£7.41→£13.50
Streaming/month+33%
£7.49→£9.99
Restaurant meal+51%
£22.50→£34.00
Pint of beer+68%
£3.45→£5.80

Beat inflation — start investing

A Cash ISA isn't keeping up. See how a Stocks & Shares ISA could protect your real wealth.

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