Calculator. It compares actual bill with an appropriate benchmark/range and then identifies where to investigate, negotiate, switch, reduce usage or simply accept that the cost may be reasonable.

The calculator below uses UK benchmark figures where a meaningful national benchmark exists, and clearly labels figures that vary heavily by household or location.

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Infinity Queen Money Tool

Are You Paying
Too Much?

Compare your household bills with recent UK reference points and turn the results into a practical action plan. See where you may be overpaying, where it is worth checking your deal and where your costs may simply reflect your circumstances.

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Your Bills. Your Numbers. Your Decisions.

Don't guess. Compare.

Enter your actual monthly bills. The calculator converts them into comparable figures, checks them against relevant UK reference points and highlights the areas most worth reviewing.

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My Household Bill Check

Enter what you currently pay. Leave anything you do not have at £0. Click a category to see additional information.

E
Gas & Electricity Energy / dual fuel
+
Energy costs depend heavily on usage, property size, insulation, tariff and region. The benchmark is an indicator rather than a recommended price.
W
Water & Sewerage Water / wastewater
+
Water charges vary substantially between companies and households. Your actual company tariff is more useful than a single national average.
C
Council Tax Local authority charge
+
Council Tax varies by local authority and property band. The England Band D benchmark is used as a contextual reference.
B
Broadband Home internet
+
Out-of-contract customers may have more scope to reduce costs by reviewing their package.
M
Mobile Phone Mobile contract / SIM
+
Mobile costs depend on handset financing, data allowance, network and contract.
TV
TV Licence Colour licence
+
The standard colour TV Licence is represented as an annual cost divided by twelve for comparison purposes.
I
Home Insurance Buildings & contents
+
Home insurance pricing depends on property type, location, rebuild value, contents, excess and cover. A national average should therefore be treated only as a comparison point.
A
Car Insurance Motor insurance
+
Motor insurance varies enormously according to driver, vehicle, location, mileage, claims history and cover. This tool therefore treats it as a review category rather than assigning one “fair” national price.
S
Streaming & Subscriptions Streaming, music, apps, memberships
+
There is no single correct subscription budget. The useful question is whether every recurring service is still being used and valued.
F
Food & Groceries Household food spending
+
Food spending depends strongly on household size, dietary requirements, shopping habits and meals outside the home. Use this as a tracking category rather than a strict target.
+
Other Regular Bills Anything important not listed above
+
Examples include memberships, maintenance plans, professional subscriptions and other recurring costs.

Your Bill Check

This is an educational comparison tool, not a promise that a cheaper price is available to you. Your actual circumstances, usage, location and contract terms matter.

0
Bill Efficiency Score
Your monthly bills £0
Your annual bills £0
Potential review value £0

Where Should You Look First?

Higher doesn't automatically mean “wrong”. It means the bill deserves closer attention.

Bill
Your cost
Reference
Assessment

Your Financial Action Plan

The biggest opportunity is not necessarily the largest bill. It is the bill where a realistic reduction may be possible without reducing something important to you.

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    The Reference Points Behind the Calculator

    These figures provide context for your own numbers. They are not universal “fair prices”, because household costs vary by usage, location, property, contract and personal circumstances.

    Energy — Jul to Sep 2026
    £1,862 / year
    Ofgem typical dual-fuel household benchmark for customers paying by Direct Debit.
    Energy — Oct to Dec 2026
    £1,723 / year
    Ofgem's announced benchmark for the following price-cap period.
    Council Tax
    Local authority
    Council Tax varies by property band and local authority, so a single national figure should be treated cautiously.
    TV Licence
    £180 / year
    Standard colour TV Licence reference used for the calculator.
    Broadband
    Market dependent
    Price depends on speed, provider, contract, location and promotional pricing.
    Mobile
    Market dependent
    SIM-only, handset contracts, data usage and network choice can produce very different prices.
    Home Insurance
    Highly variable
    Property and cover characteristics make personal comparisons more useful than a simple national average.
    Water
    Company dependent
    Water charges vary by company, region, meter status and household circumstances.
    Food
    Household dependent
    Household size and purchasing habits make personal tracking more useful than one fixed target.
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    How We Use the Data

    Infinity Queen uses published regulatory, government and consumer-market information as reference points. A benchmark is not a guaranteed price and should never be treated as personalised financial advice.

    Ofgem Energy price-cap levels, unit rates and standing charges.
    Ofwat Water-sector charging and household bill information.
    UK Government Council Tax and official household statistics.
    TV Licensing Current television licence information.
    Ofcom Communications-market consumer and usage information.
    ABI Insurance market and premium information.
    ONS Household expenditure and economic statistics.
    Market comparison data Used as contextual information rather than guaranteed prices or recommendations.
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    Don't Just Cut Costs.
    Know Where to Act.

    Use the comparison to identify the bills worth reviewing, then turn the findings into a realistic monthly money plan.

    Review My Results ```

    COMPARE

    Compare the things that matter.

    A comparison is useful only when the comparison is meaningful.

    Two products can have completely different specifications even when their prices appear similar.

    Infinity Queen comparisons focus on the factors that can make a real difference to consumers.

    WHAT WE COMPARE

    BANKING

    Compare accounts based on features, costs, interest, accessibility and suitability.

    BROADBAND

    Compare price, speed, contract terms, flexibility and alternatives such as mobile broadband.

    CARS

    Compare purchase price, running costs, practicality, technology and long-term value.

    HOUSEHOLD PRODUCTS

    Compare price, quality, functionality and alternatives.

    SERVICES

    Look beyond the advertised monthly price and consider the complete cost and contract.

    OUR COMPARISON PRINCIPLE

    PRICE IS ONLY ONE PART OF VALUE.

    We consider:

    Price + Quality + Features + Convenience + Running Costs + Flexibility

    The importance of each factor depends on the product and the consumer.

    BEFORE YOU CHOOSE

    Always check the provider's current terms, pricing and availability before purchasing.

    A comparison published today may not remain accurate indefinitely.

    Our guides are intended to help you make a more informed decision — not to replace your own assessment.

    Best Savings Accounts in the UK: Where Can You Earn the Most Interest?

    Last checked: 30 August 2026

    If you have money sitting in a current account or an old savings account, it is worth checking what interest you are actually earning.

    Savings rates can differ substantially between providers, and the account paying the highest rate is not necessarily the right choice if you need immediate access to your money.

    For August 2026, some of the most competitive rates we found include fixed-rate savings reaching 5.00% AER, while leading fixed Cash ISAs are offering rates around 4.50%–4.70% tax-free.

    Our quick verdict

    Best high-rate fixed saver: Atom bank

    Atom bank currently advertises a 5.00% AER fixed rate for five years, with a minimum deposit of £50 and maximum deposit of £100,000.

    The major drawback is access: withdrawals are not permitted during the five-year fixed term. The account is available to UK residents aged 18 or over and is managed through the Atom app.

    Best suited to: someone who can genuinely leave the money untouched for five years.

    Best government-backed fixed option: NS&I

    NS&I's Guaranteed Growth Bonds currently offer up to 4.85% gross/AER fixed for five years.

    The minimum investment is £500 and the maximum is £1 million per issue. The money cannot normally be withdrawn before the bond matures.

    NS&I products are backed by HM Treasury rather than relying on the normal FSCS deposit-protection arrangement.

    Best suited to: savers who prioritise government backing and are comfortable locking money away.

    Best mainstream fixed Cash ISA option: Nationwide

    Nationwide currently offers fixed Cash ISAs from 4.50% for one year to 4.70% for five years, with the interest tax-free.

    The latest rates took effect on 26 August 2026.

    Best suited to: savers who want tax-free interest and are prepared to fix their money.

    Best flexible boosted option: Chase

    Chase currently advertises a 4.50% AER variable boosted saver rate, comprising a 2.25% fixed boost on top of its standard variable rate for the relevant offer period.

    Because this is a boosted variable-rate offer, you should check the current eligibility requirements and the duration of the boost before opening the account.

    Best suited to: people who want greater flexibility than a multi-year fixed account and are comfortable with a variable rate.

    Comparison: selected competitive savings options

    ProviderAccount / typeCurrent rateAccessMinimumMaximumKey pointAtom bank5-Year Fixed Saver5.00% AERNo withdrawals during term£50£100,000Highest rate in this selectionNS&I5-Year Guaranteed Growth Bond4.85% AERNo access until maturity£500£1m per issueGovernment-backedNationwide5-Year Fixed Cash ISA4.70% AERFixed termCheck product termsCheck product termsTax-free interestNationwide1-Year Fixed Cash ISA4.50% AERFixed termCheck product termsCheck product termsTax-free interestChaseBoosted Saver4.50% AER variableFlexibleCheck current termsUp to £3m advertisedRate includes a fixed boost

    Atom's 5.00% rate, deposit limits and withdrawal restrictions are stated by Atom itself.

    NS&I's current rates show 4.82% for one-year Guaranteed Growth Bonds and 4.85% for five-year bonds, with a £500 minimum and £1 million maximum per issue.

    Nationwide's latest product documentation confirms 4.50%, 4.55%, 4.65% and 4.70% rates for its one-, two-, three- and five-year fixed Cash ISAs respectively.

    Chase's current boosted-rate information states 4.50% AER variable, with a 2.25% fixed boost incorporated into the offer.

    What does 5% actually earn?

    A high interest rate sounds impressive, but the amount of money you have saved matters just as much.

    For illustration, at a hypothetical 5.00% AER:

    £5,000 → approximately £250 interest over one year

    £10,000 → approximately £500 interest over one year

    £20,000 → approximately £1,000 interest over one year

    Actual interest will depend on the account, compounding, timing of deposits and withdrawals and the provider's terms.

    Fixed vs easy access: which is better?

    A 5% fixed account is not automatically better than a 4.5% easy-access account.

    Consider what you need the money for.

    Choose easy access if:

    • You may need the money unexpectedly

    • You are building an emergency fund

    • You want flexibility

    • You expect interest rates to change

    • You don't want to pay a penalty for accessing your money

    Consider a fixed account if:

    • You know you will not need the money during the fixed term

    • You want certainty about the rate

    • You are comfortable locking the money away

    • The rate is sufficiently attractive compared with flexible alternatives

    The FCA has repeatedly highlighted the importance of consumers checking whether their existing savings account still offers good value and comparing alternative products.

    Don't forget Cash ISAs

    A Cash ISA can be particularly useful for people who are likely to pay tax on their savings interest.

    The standard ISA subscription limit for the 2026/27 tax year is £20,000, and ISA interest is tax-free.

    There is also an important upcoming change.

    From 6 April 2027, the annual Cash ISA limit for people under 65 is scheduled to become £12,000, while the overall ISA limit remains £20,000. People aged 65 and over will retain a £20,000 Cash ISA limit.

    That means savers should pay attention not only to today's interest rate but also to the tax treatment of their savings.

    How safe is your money?

    For eligible deposits held with UK-authorised banks, building societies and credit unions, the Financial Services Compensation Scheme currently protects deposits up to £120,000 per eligible person, per authorised firm.

    The limit increased from £85,000 to £120,000 on 1 December 2025.

    The important phrase is per authorised firm, not necessarily per brand.

    If two banking brands operate under the same banking authorisation, your deposits may count towards the same £120,000 limit.

    Always check the relevant FSCS protection before placing a large amount of money with a provider.

    Our Infinity Queen conclusion

    There isn't one savings account that is best for everybody.

    If you want the highest fixed rate among the products we checked, Atom bank's 5.00% five-year Fixed Saver stands out.

    If government backing is your priority, NS&I's five-year Guaranteed Growth Bond offers 4.85%.

    If you want a tax-free fixed return, Nationwide's five-year Cash ISA currently offers 4.70%.

    If flexibility matters more than locking your money away, a variable account such as Chase's boosted saver may be more appropriate — but check the boost conditions carefully.

    The most important question isn't:

    "Which account has the highest rate?"

    It is:

    "Which account gives me the best combination of return, access, tax treatment and security for the money I have?"

    That is the comparison that matters.

    Important information

    Rates and account terms can change. The information above was checked on 30 August 2026 and should be treated as a snapshot rather than a guarantee of future availability.

    Infinity Queen provides general information for educational purposes and does not provide personalised financial advice.

    Before opening an account, check the provider's current rate, eligibility requirements, terms and FSCS or other applicable protection directly with the provider.

     

    Account Rate Term Access Best for 

    Atom 5-Year Fixed Saver5.00%5 yearsNo withdrawalsMaximum fixed rate

    NS&I Guaranteed Growth Bond4.85%5 yearsNo withdrawalsGovernment backing

    Nationwide 5-Year Cash ISA4.70%5 yearsFixedTax-free savings

    Nationwide 1-Year Cash ISA4.50%1 yearFixedShorter tax-free term

    Chase Boosted Saver4.50% variableVariableFlexibleAccess + competitive rate

    Primary sources