About WiseYields
Free, accurate financial calculators and plain-English money guides, built for households across the UK, US, Canada, Australia, Ireland, Malta, New Zealand, Germany, South Africa, the Netherlands and France who want to make smarter decisions without expensive advisers.
Why We Built This
The idea for WiseYields came from a frustration most people recognise: you want a straightforward answer to a money question, "how much can I borrow?", "what will I take home after tax?", "am I saving enough for retirement?", and what you find online is either buried in jargon, locked behind an adviser fee, or riddled with affiliate product recommendations dressed up as advice.
We built WiseYields to fix that. A single place where you can run accurate financial calculations, read practical guides written in plain English, and download useful reference resources, all completely free.
We are not financial advisers. We do not sell insurance, mortgages, or investment products. We are not regulated by the FCA. What we are is an independent publisher that turns official tax and rate data into free tools, and who believes that with the right tools, most people can make better money decisions on their own.
Who runs WiseYields
Paula Townsend
Founder, WiseYields
I run WiseYields as an independent publisher. I'm not a financial adviser and I don't claim to be one. My job is to take official figures from HMRC, the IRS, the ATO and other tax authorities and turn them into free calculators and plain-English guides.
I've worked in management roles across a range of businesses, and I've spent many years studying finance. That mix of day-to-day business experience and long-term study is what I bring to WiseYields. When a rule is unclear, I check it against the official source until I can explain it simply.
Everything here is free, with no sign-up needed. The site is paid for by ads and clearly labelled affiliate links, and neither ever changes a calculator result. Where a number comes from an official source, I show you where, so you can check it yourself.
If you spot a figure that looks wrong, tell me through the contact page and I'll check it against the official source and fix it.
Paula Townsend
What Makes WiseYields Different
Verified Against Official Sources
Every calculator is checked against current HMRC tables, Bank of England data, and official government guidance, not third-party estimates. We update rates and thresholds as soon as HMRC publishes them each tax year.
Written for Real People, Not Accountants
We strip out the jargon. Whether you want to know your take-home pay, how much you can borrow, or whether to overpay your mortgage, our guides answer in plain English with real worked examples.
No Sales Pressure
We earn revenue through advertising and clearly disclosed affiliate partnerships. This never influences our calculator results or editorial recommendations. When we link to a product, we say so, and explain why we recommend it.
Free. Always.
Every calculator, every guide, every downloadable resource on WiseYields is free to use. No subscription, no paywall, no account required. We believe access to accurate financial information should not be a privilege.
What's on WiseYields
40+ Free Calculators
Mortgage, salary, pension, ISA, debt payoff, stamp duty, FIRE, car finance, and more, for both UK and US.
90+ In-Depth Guides
Detailed, original articles on UK and US personal finance, written with real data, worked examples, and no filler.
Free Downloadable Resources
Tax cheatsheets, first-time buyer checklists, pension benchmarks, and budget planners, free to download.
Our Journey
WiseYields launched with 10 core UK financial calculators
Expanded to 30+ calculators covering mortgages, tax, pensions and debt
Added US market coverage and expanded financial guides library
Added Canada, Australia, Ireland, Malta, New Zealand, Germany, South Africa, the Netherlands and France, each with its own tax data and salary calculator
Now covering 40+ calculators, 90+ in-depth guides, and free downloadable resources
Our Editorial Standards
Accuracy matters. Financial misinformation costs people real money. Every piece of content on WiseYields is held to these standards:
- All UK income tax and NI figures verified against the latest HMRC published rates for the 2026/27 tax year.
- Mortgage calculations use standard lender stress-test methodology (3% above SVR) as required by FCA guidelines since 2014.
- Pension projections use PLSA retirement living standards benchmarks, not arbitrary figures.
- US calculators use IRS published 2026 federal tax brackets and official Social Security Administration data.
- Canada, Australia, Ireland, Malta, New Zealand, Germany, South Africa, the Netherlands and France use the figures published by CRA, ATO, Revenue, the Maltese CFR, IRD, the German BMF, SARS, the Belastingdienst and the DGFiP.
- Every calculator shows a "last reviewed" date, and our tax figures are rechecked each year when new rates are published.
- All articles are reviewed for accuracy before publication and updated whenever regulations change.
- We distinguish clearly between estimates (our calculators) and regulated financial advice (which we do not provide).
Important Notice
WiseYields provides informational tools and educational content only. We are not authorised or regulated by the Financial Conduct Authority (FCA). Our calculators produce estimates based on current published tax rates and regulations, but should not be relied upon as personalised financial advice. Individual circumstances vary. Always consult a qualified financial adviser for recommendations specific to your situation.
