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All calculators
162 calculators live so far, across 9 areas of UK money. Every one shows its working, cites gov.uk, and runs privately in your browser.
Tax & pay
Take-home pay calculator Income tax, National Insurance and your real monthly net pay for 2026/27. Employer NI and cost of employment calculator What an employee really costs: 15% employer NI, pension, levy and the reliefs for under-21s and apprentices. NHS pay calculator Agenda for Change 2026/27 bands and pay points, London supplements, tiered pension contributions and monthly take-home. Income tax calculator Income tax alone, band by band, with the £100k taper and National Insurance left out. National Insurance calculator How much employee National Insurance you pay, and how the 8% and 2% rates work. Tax code explainer & refund checker Decode your tax code, see if it looks right, and whether you are owed a refund. Second job tax calculator Your real combined take-home across two jobs, and the NI quirk that saves you money. Bonus tax calculator How much of a bonus you actually keep, and why one payslip over-taxes it. Month-by-month payslip checker What each month’s payslip should say. Cumulative PAYE across the year, so bonus months and mid-year starts finally make sense. Marginal tax rate & 60% trap What your next £1 really costs, charted across every band including the 60% taper and the Child Benefit charge. Hourly pay calculator What today’s shift pays. Slide your rate and hours, with overtime, unpaid breaks and what an extra half hour adds. Shift & timesheet pay Enter each day’s hours to get pay per day, total hours against your contract, and overtime. Hourly to annual salary Turn an hourly rate into weekly, monthly and annual gross, then the take-home. Pro-rata salary calculator Scale a full-time salary to your hours or days, with the pro-rata gross and take-home. Redundancy pay calculator Statutory redundancy pay from age, service and wage, capped, with the £30,000 tax-free rule. Dividend tax calculator Tax on dividends stacked on your other income, with the 2026/27 rates and band split. CGT on a second property A no-login estimate of CGT on a second home or buy-to-let, plus the 60-day deadline. CGT on shares & funds CGT on shares and funds outside an ISA, with the 18% and 24% rates and the 30-day rule. Self Assessment tax estimator Income tax on your profit plus Class 4 NI in one bill, with the Class 2 position explained. Payments on account explainer Why the first Self Assessment bill is about 150%, split into the January and July payments. Side-hustle & Vinted tax calculator Whether your selling is taxable trading or tax-free, plus the £1,000 trading allowance. Freelancer tax set-aside calculator The percentage and monthly amount to save for tax on UK rates, with the payments-on-account uplift. Sole trader vs limited company Take-home as a sole trader vs a company, and the narrow window where a company wins. Umbrella take-home calculator Every pound from the assignment rate to your account: margin, employer NI, levy, holiday, then tax. Day rate to salary converter The permanent salary a contractor day rate is really worth, with lost holiday and pension priced in. Flat Rate VAT vs standard What you keep under the Flat Rate Scheme, including the 16.5% rate, versus standard VAT. VAT registration decision Whether to register for VAT as turnover nears £90,000: register now, wait, or voluntary. VAT calculator (add or remove) Calculate vat calculator (add or remove). Pay rise calculator Calculate pay rise calculator. Overtime pay calculator Calculate overtime pay calculator. Net to gross salary calculator Calculate net to gross salary calculator. Scottish income tax calculator Calculate scottish income tax calculator. Marriage Allowance calculator Calculate marriage allowance calculator. Corporation tax calculator Calculate corporation tax calculator. Inheritance tax calculator Calculate inheritance tax calculator. Emergency tax refund estimator Calculate emergency tax refund estimator. Director salary vs dividend optimiser Calculate director salary vs dividend optimiser. Salary comparison calculator Calculate salary comparison calculator. Class 2 & 4 National Insurance Calculate class 2 & 4 national insurance. Council tax calculator Calculate council tax calculator. Rental income tax calculator Calculate rental income tax calculator. Inside vs outside IR35 Calculate inside vs outside ir35. Holiday pay calculator Calculate holiday pay calculator. Holiday entitlement calculator Statutory 5.6 weeks in days or hours, the 28-day cap, 12.07% accrual for irregular hours, and pro rata for starters and leavers. P11D value calculator Calculate p11d value calculator. Take-home with student loan Calculate take-home with student loan. UK salary percentile Calculate uk salary percentile.
Pensions
State Pension top-up break-even calculator See what buying a missing NI year costs, what it adds for life, and how fast it pays back. Salary sacrifice pension calculator What paying into your pension really costs after the tax and NI saving. Pension tax relief & 60% trap The real cost of a contribution after relief, including the 60% band. Annual & tapered allowance checker Check whether the taper cuts your £60,000 allowance, by how much, and if a charge is likely. Pension pot projection Project a pot to retirement after charges, shown in today’s money so the figure means something. Pension drawdown calculator Calculate pension drawdown calculator. Tax-free lump sum calculator Calculate tax-free lump sum calculator. Annuity calculator Calculate annuity calculator. State Pension age checker Calculate state pension age checker. State Pension forecast Calculate state pension forecast. Pension vs ISA Calculate pension vs isa. How much pension do I need Calculate how much pension do i need. NHS pension calculator Calculate nhs pension calculator. Teachers pension calculator Calculate teachers pension calculator. Pension contribution calculator Calculate pension contribution calculator. Salary sacrifice vs relief at source Calculate salary sacrifice vs relief at source.
Property
Stamp duty calculator (all four nations) SDLT, Scottish LBTT and Welsh LTT in one tool, with first-time-buyer and second-home rules. Second-home stamp duty surcharge The extra stamp duty on a second home or buy-to-let, and when you can reclaim it. Buy-to-let yield & Section 24 Rental yield plus the Section 24 restriction that pushes a higher-rate landlord’s effective tax up. Deposit goal & Lifetime ISA How fast the 25% LISA bonus gets you to a deposit, with the withdrawal penalty warning. Remortgage break-even The month a new deal’s fee is recouped versus your current rate. Mortgage repayment calculator Monthly capital-and-interest payment from loan, rate and term, with total interest. Mortgage affordability calculator Calculate mortgage affordability calculator. Interest-only vs repayment Calculate interest-only vs repayment. Mortgage overpayment calculator Calculate mortgage overpayment calculator. Rent vs buy calculator Calculate rent vs buy calculator. Rental yield calculator Calculate rental yield calculator. First-time buyer stamp duty Calculate first-time buyer stamp duty. House deposit savings goal Calculate house deposit savings goal. Loan-to-value (LTV) calculator Calculate loan-to-value (ltv) calculator. Leasehold & ground rent estimator Calculate leasehold & ground rent estimator. Cost of moving house Calculate cost of moving house. Energy price cap calculator Your yearly and monthly bill at the Ofgem cap rates for October to December 2026, against the £1,723 typical figure. Shared ownership calculator Calculate shared ownership calculator. Buy-to-let mortgage calculator Calculate buy-to-let mortgage calculator. Offset mortgage calculator Calculate offset mortgage calculator. Overpay mortgage or invest Calculate overpay mortgage or invest. Non-resident stamp duty surcharge Calculate non-resident stamp duty surcharge. Help to Buy ISA bonus Calculate help to buy isa bonus.
Car & motoring
Road tax (VED) checker Your annual road tax, with the 2025+ EV rules and the £40k vs £50k supplement. Company car tax (BIK) The yearly Benefit-in-Kind cost, with the electric-car rate curve to 2029/30. EV salary sacrifice calculator The true monthly cost of an EV via salary sacrifice, after tax and NI and the 4% BIK. EV vs petrol running cost Pence per mile and yearly cost, EV vs petrol, blending home and public charging honestly. Mileage allowance (AMAP) Your tax-free mileage at 55p then 25p, plus relief when the employer pays less. PCP vs HP vs cash Total cost of PCP, HP and cash, so the lowest monthly payment does not fool you. Fuel cost calculator Calculate fuel cost calculator. MPG calculator Calculate mpg calculator. Car depreciation calculator Calculate car depreciation calculator. Car finance calculator Calculate car finance calculator. Total cost of car ownership Calculate total cost of car ownership. ULEZ & clean air charge Calculate ulez & clean air charge. Van tax & BIK calculator Calculate van tax & bik calculator. EV charging cost calculator Calculate ev charging cost calculator. Road trip cost calculator Calculate road trip cost calculator. Car insurance group checker Calculate car insurance group checker.
Family & children
Tax-Free Childcare & free hours Your real monthly nursery bill after the free hours and the 20% top-up, combined. Maternity pay (SMP) schedule The full 39-week SMP schedule, with the week-7 drop from 90% pay to the flat rate. Shared Parental Leave & Pay Split the leave between two parents and see the pay each of you gets. Child maintenance (CMS) estimator A neutral CMS estimate with shared-care nights and other-children reductions. Junior ISA projector Project a Junior ISA to age 18, within the £9,000 limit, cash vs stocks. Paternity pay calculator Calculate paternity pay calculator. Maternity Allowance calculator Calculate maternity allowance calculator. Child Benefit calculator Calculate child benefit calculator. Cost of raising a child Calculate cost of raising a child. Saving for a child calculator Calculate saving for a child calculator. Wedding budget calculator Calculate wedding budget calculator. Pocket money calculator Calculate pocket money calculator. University cost calculator Calculate university cost calculator. Family budget calculator Calculate family budget calculator. Cost of a baby calculator Calculate cost of a baby calculator.
Health & NHS
NHS prescription PPC: worth it? Compares paying per item against the 3-month, 12-month and HRT certificates, and names the cheapest. Statutory Sick Pay calculator SSP under the April 2026 rules: paid from day one, with the new low-earner floor. Free prescriptions checker Check every route to free NHS prescriptions, and what to claim. BMI calculator Calculate bmi calculator. Calorie (TDEE) calculator Calculate calorie (tdee) calculator. BMR calculator Calculate bmr calculator. Alcohol units calculator Calculate alcohol units calculator. Pregnancy due date calculator Calculate pregnancy due date calculator. NHS Low Income Scheme checker Calculate nhs low income scheme checker. NHS dental charges Calculate nhs dental charges. Waist-to-height ratio Calculate waist-to-height ratio. Water intake calculator Calculate water intake calculator. Ideal weight calculator Calculate ideal weight calculator. Cost of smoking calculator Calculate cost of smoking calculator.
Benefits
Council Tax Reduction estimator A rough guide to Council Tax Reduction, with a clear caveat that your council sets the scheme. UC two-wages-in-one-period checker Flags the months two wages could land in one UC period, with the journal wording to fix it. Carer’s Allowance earnings limit Your counted earnings after tax, NI and half your pension, against the £204 weekly limit. HICBC escape planner Your Child Benefit charge, then the pension contribution that removes it and what it saves. Better off in work calculator Net income before and after more hours, once tax, NI and the 55% UC taper are counted. Universal Credit calculator Calculate universal credit calculator. Housing Benefit calculator Calculate housing benefit calculator. PIP points self-test Calculate pip points self-test. Pension Credit calculator Calculate pension credit calculator. Benefit cap checker Calculate benefit cap checker. Attendance Allowance checker Calculate attendance allowance checker. Winter Fuel Payment checker Calculate winter fuel payment checker. ESA calculator Calculate esa calculator. JSA calculator Calculate jsa calculator. Bereavement Support Payment Calculate bereavement support payment. Healthy Start payment checker Calculate healthy start payment checker. Budgeting Advance calculator Calculate budgeting advance calculator.
Student finance
Student loan repayment calculator The real monthly deduction by plan, including an undergraduate plan and a Postgraduate Loan together. When do I start repaying? The exact first repayment date and the salary that triggers a deduction, with the Plan 5 floor. Which student loan plan am I on? A three-question path that names your plan and flags if you are overpaying on the wrong one. Should I overpay my student loan? A year-by-year projection of whether you clear the loan before write-off, and if overpaying is worth it. Maintenance loan estimator Calculate maintenance loan estimator. Student loan interest calculator Calculate student loan interest calculator. Student budget planner Calculate student budget planner. Apprentice wage calculator Calculate apprentice wage calculator. Postgraduate loan repayment Calculate postgraduate loan repayment. Tuition fees total Calculate tuition fees total.
Savings & debt
Compound interest calculator Watch savings grow year by year, with the split between what you paid in and what the interest added. Savings goal calculator How long a target will take, or what you need to put away each month to hit it by a date. Loan repayment calculator Monthly payment, total interest and how much an overpayment saves on a personal loan. Credit card payoff calculator How long a balance takes to clear at your APR and payment, and what paying more saves.
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