Five calculators that run on published numbers.
Each one takes figures from your own statements and answers a question the marketing never does. Nothing is stored, nothing is sent anywhere, and every rate behind the arithmetic is linked at the bottom of its panel.
How much of your balance is actually compensated.
Deposit protection is per depositor, per authorised institution, and your legal structure decides who the depositor is. This works out the covered and uncovered halves of your money.
Limit and claim rules from FSCS, read 2 September 2026. £120,000 applies from 1 December 2025.
The true annual cost of your account, all lines together.
Cash is only one charge. Put in a normal month and this adds every published line, then shows the same month priced at four tariffs we hold.
Barclays lines from its published price plans; Starling and Tide from their own pricing pages. Read 2 September 2026. Introductory offers excluded.
What moving would save, and how long it takes to matter.
Takes the gap between your current annual cost and the cheapest tariff for your pattern, then prices the working hours a switch costs you.
Switch completion times from the Current Account Switch Service dashboard, Q2 2026: 99.3% inside seven working days, 1,216,271 switches in twelve months.
Whether your cash will hit a published ceiling.
A tariff can be cheap and still fail you. Providers cap how much cash they accept, and the cap is usually printed away from the fees.
Starling publishes a sole trader ceiling of £5,000 a day and £100,000 a calendar year on its business account page, read 2 September 2026. Other providers set limits per account; ask before you rely on one.
The dates that decide whether a complaint still counts.
Two clocks run at once: the time a provider has to answer you, and the window you have to take it further. Miss the second and the case is usually closed to you.
Timescales as published by the Financial Ombudsman Service. It upheld 30% of resolved business current account complaints in the quarter to June 2026. This is a timing aid, not legal advice.