SKINT? Is Live: Money Tools + a New Game Every Day for Under-25s

SKINT? is live — free money tools for under-25s in the UK & Europe. If you are under 25 and living in the UK or Europe, this site was built for you.

Two things happen here. First, the money tools: the Work-Hours Converter turns any price into hours of your actual pay, the Vinted and Depop profit calculator shows what you really keep after fees and postage, Split It divides any bill with friends, and the First Job Checker tells you if your pay is below the legal minimum for your age. Second, the game: Today’s Check is a new 60-second challenge every day. Guess the price, run the flags, test your reactions, keep your streak alive and share your scorecard.

No sign-up, no boring finance talk, just real maths. Start with today’s challenge on the homepage, then check what that thing you want to buy really costs in hours of your life.

Built for first payslips, not boardrooms

Most money sites are written for people with mortgages, pension pots and a favourite bank manager. That is not your life yet, and it is not who this is for.

Your money questions are different. Is this part-time job actually paying you fairly? What do you really keep when you sell something online? How do you split a group bill without a ten-minute argument in the group chat? Money tools for under-25s should answer questions like those in seconds, not hide them in a 40-page PDF.

So everything on SKINT? is built around how money actually works at this age: pay that arrives by the hour, side hustles that pay whenever, and big plans squeezed into small budgets. No lectures, no suits, no jargon you have to Google first. Just answers you can act on straight away.

Money tools for under-25s, tool by tool

The Work-Hours Converter is usually the first one people screenshot. Type in the price of anything and your hourly pay, and it tells you the cost in hours of your life, before and after tax. Say you earn £10 an hour: a £30 takeaway is three hours of work. Once you see prices in hours, you cannot unsee them.

We wrote the full story behind it in our post on why €120 trainers cost more than you think.

Selling your stuff instead? The Vinted and Depop profit calculator exists because the sold price is not what lands in your account. Fees and postage quietly eat the difference, and this tool shows you what you actually keep before you agree to a price — so a “quick sale” never turns into working for free.

Then there is the group problem. Split It divides any bill between friends in seconds: total in, people in, done.

And if you are on your first or second job, the First Job Checker compares your hourly pay against the legal minimum for your age band. Not sure what that minimum should be? The official figures live on GOV.UK’s national minimum wage rates page — always check there rather than trusting a random screenshot on social media.

And then there is the game

Tools are for when you need an answer. The game is why you come back tomorrow. Today’s Check drops one new 60-second challenge every day: guess a price, name the flags, test your reactions, and see how close you get.

Your score lands on a card made for sharing, and playing daily builds your streak. Miss a day and the streak is gone, which is exactly the kind of low-stakes pressure that keeps it fun. It takes less time than making tea, which is rather the point.

Try it

Start anywhere. Play today’s challenge first if you want the quick win, or run the last thing you bought through the Work-Hours Converter if you want the honest one. That is the whole idea behind these money tools for under-25s: small checks, done daily, that quietly change how you spend.

Come back tomorrow, and there will be something new waiting. A fresh challenge, the same tools, and one more day on your streak.

Start now: play Today’s Check and run your first number — SKINT? is live, and everything is free.