Compound Interest Calculator
Monthly contributions, a starting balance and a rate, resolved into what the pot is actually worth at the end of each year.
£23,548£200 a month for 8 years at 5%
The Money Pig: UK money saving, compare deals and financial calculators
Three working calculators, provider comparisons across the four bills most households argue about, and a plain account of how matched betting actually works. No live prices are published here, because a static page cannot keep them honest.
Mortgage Overpayment Calculator
What a regular overpayment or a one-off lump sum takes off the interest and off the term.
4 yr 10 mo£150 a month extra on £200,000 at 4.5%
Matched Betting Calculator
Back stake, lay stake, commission and the qualifying loss, for both a returned and a non-returned free bet stake.
£0.68qualifying loss, £25 at 4.0, laid at 4.05
Matched betting sign-up offers
Matched betting is a way of working through a bookmaker's promotions by covering each bet at an exchange, so the outcome of the event matters far less than the size of the offer. It is still betting with real money at a licensed bookmaker, and it still goes wrong: a mistyped stake, a market that moves before the lay lands, or an account that gets restricted once the pattern is obvious. What it is not is a wager on a result.
The six shapes a UK sign-up or reload offer takes, and how each one is handled
No live terms published| Offer shape | How it works | Qualifying bet | Free bet stake |
|---|---|---|---|
| Bet and getTwo steps. Lay the qualifying bet to hold the loss down, then lay the free bet separately. | Place a qualifying bet of a stated size at a stated minimum price. A free bet arrives once it settles, win or lose. | Yes, at your own risk | Not returned |
| Matched first betOne step if the refund is cash. If it is a free bet, the free-bet leg is a second calculation. | Your first bet is refunded as a free bet, or occasionally as cash, if it loses. | Yes, refunded on a loss | Not returned |
| Deposit matchOnly worth it when the wagering multiple is low. Work the multiple out before depositing. | The bookmaker adds a percentage of your deposit as bonus funds, usually behind a wagering requirement. | No, but wagering applies | Depends on the wagering terms |
| “Risk-free” bet (the bookmaker’s term)The simplest shape there is. One lay covers it and the maths is a single calculation. | A losing first bet is returned in cash rather than as a free bet. | Yes, refunded in cash on a loss | Returned |
| Acca insuranceLaying every leg individually is fiddly and the edge is thin. Skip it while you are learning. | A multiple bet on a stated number of selections is refunded when exactly one leg lets it down. | Yes | Varies by promotion |
| Odds boostLay at the exchange price. The value is the gap between the boosted price and the lay price. | A named selection is offered at a price above the bookmaker’s own, usually capped at a small stake. | No | Returned |
Safety first
18+ only. New customer terms, minimum prices and expiry windows are set by the bookmaker and change without notice. Free help is available at gambleaware.org, and gamstop.co.uk blocks every UK-licensed account at once.
Current terms belong on the bookmaker's own page, where they are kept up to date and where the full conditions sit. How free bets are structured and the calculator cover the rest.
Compare the four UK bills worth arguing about
UK bookmakers, and who actually holds the licence
Every row below is a fact from the Gambling Commission's public register rather than a promotion: the company the licence sits with, the licence number and the date it was granted. It is the part of a bookmaker that does not change month to month, and it is what you quote if a dispute ever needs escalating. Two entries repay a second look. Ladbrokes and Coral appear against one licence number because they are one licensed operator behind two brands, so a limit or a restriction is best assumed to reach both. Paddy Power and the Betfair exchange are separate licensees inside the same commercial group, which is worth knowing when the exchange is where you plan to lay.
UK-licensed bookmakers, the entity holding the remote betting licence, and where a brand has its own calculator
UKGC register| Brand | Licence held by | Licence number | Open |
|---|---|---|---|
 | Hillside (UK Sports) ENCLicensed since October 2019 | 055148-R-331498-002 | bet365.com |
 William Hill calculator | WHG (International) LimitedLicensed since November 2014 | 039225-R-319373-015 | williamhill.com |
 Paddy Power calculator | PPB Counterparty Services LimitedLicensed since November 2014 | 039439-R-319330-013 | paddypower.com |
 Ladbrokes calculator | LC International LimitedLicensed since July 2019 | 054743-R-330863-014 | ladbrokes.com |
 | LC International LimitedLicensed since July 2019 | 054743-R-330863-014 | coral.co.uk |
 Betfred calculator | Petfre (Gibraltar) LimitedLicensed since November 2014 | 039544-R-319290-010 | betfred.com |
 | SBG Sports LimitedLicensed since October 2025 | 067370-R-341330-005 | skybet.com |
 | BV Gaming LimitedLicensed since November 2014 | 039576-R-319370-028 | betvictor.com |
 | Platinum Gaming LimitedLicensed since July 2016 | 045322-R-324275-019 | unibet.co.uk |
 | 888 UK LimitedLicensed since November 2014 | 039028-R-319297-014 | 888sport.com |
 BoyleSports calculator | Boylesports EnterpriseLicensed since November 2014 | 039469-R-319383-025 | boylesports.com |
 | Betway LimitedLicensed since November 2014 | 039372-R-319367-029 | betway.com |
| Every operator link in this table is commercial: The Money Pig is paid a commission if you open an account through one, at no cost to you. It does not decide the order of the rows or the wording of anything in them. | |||
No offer amounts or promotional terms appear here. Those change weekly and belong on the operator's own page, where they are kept current. How the whole approach works and how a free bet is structured.
Surveys and side income
Paid survey work pays badly per hour and the platforms are uneven, which is most of what a reader needs before signing up to four of them at once. What follows is what each one pays, what it pays in, and how long the wait to a payout really is.
Where to start
Best survey sites in the UK
What each panel pays, the payout thresholds, and the wait before money arrives.
Read the comparisonHow The Money Pig approaches money saving
Three rules, and they explain what is missing here as much as what is present. The Money Pig publishes no live prices and no live offer terms, because a page that cannot update a figure will eventually lie about it; where a number moves weekly, this site sends you to the provider. Nothing is ordered by what it pays, and the disclosure at the foot of any page carrying commercial links says so. And a money comparison you can check beats one you have to trust: licence numbers, mechanics and arithmetic rather than verdicts.
That shapes the UK money saving material here. The provider pages compare contract structure and exit terms rather than this week's headline rate, because the structure is still true in a year — the EE broadband review is written that way, and so is every other provider page. The money comparison tables carry only the fields that hold that long. The calculators show their working, so you can compare their output against your own arithmetic. If you need a live UK price, no static page is the right tool for the job, and money saving advice that pretends otherwise is worse than none.
Money guides
The mechanics behind a money decision rather than this week's headline figure: how an offer is put together, which company is actually behind a service, and what a quoted number leaves out.
Matched betting
How matched betting actually works
Matched betting
How a free bet is structured
Broadband
Which network is behind each UK provider
Fraud
Fraud prevention for older people
Earn
How to make money from home, by hourly return
Save
Where household saving actually adds up
Energy
What the price cap does and does not set
Earn
Self-employed work, and what it pays
Frequently asked questions
Why are there no prices on a money comparison site?
Because they would be wrong within weeks and there is no mechanism here to correct them. Where a figure changes often, a tariff, a rate, a sign-up offer. This site explains the structure and sends you to the provider for the number.
How does The Money Pig make money?
Commission on some outbound links, disclosed at the foot of any page that carries them. Nothing is ordered or worded differently because of it, and the pages with the most traffic here, the calculators, carry no commercial links at all.
Are the calculators sending my figures anywhere?
No. They run entirely in your browser. There is no form submission, no analytics on the inputs and nothing stored between visits.
Is matched betting really not gambling?
It is gambling activity: real bets with real money at licensed bookmakers. What it is not is a wager on an outcome, because both outcomes are covered. Anyone telling you it carries no risk is overselling it.
Who writes this?
An editorial team rather than a named byline. Where a page states a fact that can be checked — a licence number, a piece of arithmetic, the source or the working is on the page so you do not have to take anyone’s word for it.