Money-saving tools
Free tools that help UK households work out whether a switch or a deal is genuinely worth it, built on live data with the caveats spelt out. I’m adding more over time.
Octopus Energy savings calculator
See your region’s price-cap rates against Octopus Flexible, plus the referral credit, so you can tell whether switching is genuinely worth it for your household.
Live Octopus and Ofgem cap rates, refreshed daily
Open the calculator →
Monzo plan picker
Free, Extra at £3 a month, Perks at £9 or Max at £19: price all four against your own savings, the perks you would actually claim and the cover you would otherwise buy.
Monzo plan fees and rates, read 18 August 2026
Open the picker →How I build these tools
Every tool here runs on real, current data rather than round numbers. The Octopus calculator pulls live tariff rates from Octopus’s public API and compares them against the Ofgem price cap for your region, so the figure you see reflects today’s prices, not last year’s. Monzo publishes no API, so the plan picker runs on figures read off Monzo’s own comparison page and re-read on the monthly pass, with the date they were last checked on the page.
I show my workings and flag the assumptions, because a savings number is only useful if you can see what sits behind it. For how I test and maintain everything on the site, read the methodology.
Referral Plug founder · Personal finance writer and UK consumer savings specialist
I specialise in finding people the best deals to cope with the ever-increasing cost of living. I like to review companies from everyday industries like banking and energy and try to provide a fresh mix of facts and unbiased opinions.