Tax, pay and property, worked out properly.
Thirty-four free calculators for take-home pay, self-employment, buying a home, pensions and more, built on the official 2026/27 rates and explained line by line.
- 34 calculators
- 33 guides
- 2026/27 rates, checked October 2026
Every calculator, by what you’re working out
Free, with nothing to sign up for. Each one explains its answer step by step, handles Scotland, Wales and Northern Ireland where their rules differ, and lists the official pages its figures come from.
Pay & tax
Take-home pay, self-employment, dividends, student loans, the £100,000 childcare trap, and what Budget 2026 means for you.
£100k Childcare Trap Calculator
See what going over £100,000 costs your family in childcare help and Child Benefit, and the pension top-up that wins it back.
£110,000 and £45,000, two under-5s £11,846 better off with £4,500 more pension
Capital Gains & Dividend Tax Calculator
Work out the tax on selling shares, property or a business, and on dividends.
£14,500 gain on shares, £45,000 salary £2,564 Capital Gains Tax
Dividend Tax Calculator
Work out the tax on your dividends on top of your salary, with the allowance and each rate band.
£10,000 of dividends, £45,000 salary £2,203.75 dividend tax
Fuel Duty & Mileage Calculator New
See what keeping the 5p fuel duty cut saves you, and the tax the higher mileage rates save when you drive for work.
10,000 miles a year at 45 mpg £30 saved, January to June 2027
PAYE Salary Calculator
Estimate UK take-home pay after Income Tax, National Insurance, pension and student loan.
£45,000 salary £2,993 a month after tax
Self-Employed Tax Calculator
Work out Income Tax and National Insurance on your profits, what to set aside, and your payments on account.
£40,000 profit, 2026/27 £7,132 tax and National Insurance
Sole Trader vs Limited Company Calculator
Compare take-home pay as a sole trader with a salary and dividends through your own company.
£50,000 profit £2,274 more as a sole trader
Student Loan Repayment Calculator
Find out when your loan will be paid off or written off, and whether overpaying is worth it.
Plan 2, £45,000 owed, £35,000 salary April 2050 written off
Will I Be Better Off? Budget 2026 Calculator New
Answer what applies to you and see what the October 2026 Budget means for you, change by change, in pounds.
England, £35,000 salary, 8,000 miles a year £136 better off in 2027
Property
Buying, borrowing against and letting out a home.
Mortgage & Equity Calculator
Work out monthly repayments, total interest, and how your home equity builds up over time.
£240,000 over 25 years at 4.5% £1,334 a month
Rental Income Tax Calculator
Work out the tax on your rental profits, including the 20% credit for mortgage interest.
£15,000 rent on a £40,000 salary £1,746 extra tax
Stamp Duty Property Tax Calculator
Work out Stamp Duty, LBTT or LTT on a UK property purchase, including first-time buyer relief and the additional-property surcharge.
£350,000 home in England £7,500 Stamp Duty
Savings & wealth
Saving and the tax on it, pensions, inflation, and what you leave behind, with or without a will.
Compound Interest Calculator
See how savings or investments grow over time, with or without regular contributions.
£10,000 plus £200 a month at 5% £109,333 after 20 years
Inflation Calculator
See how the value of money has changed between any two years, from 1751 to today.
£100 in 2000 £188.01 in 2025
Inheritance Tax Calculator
Estimate Inheritance Tax on an estate, with the home allowance, a spouse’s unused allowances, gifts and the charity rate.
£640,000 estate, home left to children £56,000 Inheritance Tax
Intestacy (No Will) Calculator
See who inherits, and how much, when someone dies without a will in England and Wales, Scotland or Northern Ireland.
Married, 2 children, £380,000 estate £358,500 to the husband or wife
Pension Calculator
See what your pension could grow to, with tax relief, employer contributions and the State Pension.
Age 35 on £35,000, saving 8% £146,634 at 67, in today’s money
Pension Inheritance Tax Calculator
See the Inheritance Tax and Income Tax on a pension left to your family from April 2027, and what they keep.
£300,000 pension, death at 75 or over £165,080 kept by the family
Savings Interest Tax Calculator New
See whether you pay tax on your savings interest, how much, and what changes from April 2027.
£40,000 at 4.5%, £60,000 salary £520 tax on a year’s interest
Credit cards
Minimum payments by provider, the interest, clearing one card or several, and whether a 0% deal or a loan is worth it.
Balance Transfer Calculator
See whether moving a card balance to a 0% deal is worth the fee, and what’s left when the 0% ends.
£3,000 to 12 months at 0%, 3% fee £573 saved against staying put
Balance Transfer vs Loan Calculator
Compare a 0% balance transfer with a personal loan and with staying put: what each costs and when you’re clear.
£3,000: 0% for 12 months or a loan £236 less with the transfer
Credit Card Interest Calculator
Work out the interest on a card balance this month, each day and over a year, and where each payment goes.
£3,000 at 24.9% APR £56.10 interest this month
Credit Card Minimum Payment Calculator
Look up how your card provider works out the minimum payment, what it is this month, and how long paying only the minimum takes.
£3,000 at 24.9%, 1% plus interest or £25 £86.10 minimum this month
Credit Card Payment Planner
Find the monthly payment that clears a card by the date you choose, and what a shorter or longer time costs.
£3,000 at 24.9%, clear in 2 years £156.29 a month
Credit Card Payoff Calculator
See how long it takes to clear a credit card, the interest you’ll pay, and what paying only the minimum costs.
£3,000 at 24.9%, £150 a month 2 years 2 months to clear it
Multi-Credit Card Payoff Calculator
Clear several cards with one monthly budget, paying the highest rate or the smallest balance first.
Three cards, £4,500, £250 a month 1 year 11 months to clear them all
Work & family
Part-time hours, holiday, sick pay, the minimum wage and its 2027 rise, redundancy, and parental pay and leave.
Adoption Pay & Leave Calculator
Work out Statutory Adoption Pay week by week, and plan sharing the year after a placement.
£35,000 salary £605.77 a week for the first 6 weeks
Maternity & Paternity Pay Calculator
See Statutory Maternity and Paternity Pay week by week, and what an employer’s scheme adds.
£35,000 salary £10,047 over 39 weeks
Minimum Wage Checker
Check your pay against the minimum wage for your age, and what you’re owed if it falls short.
£25,000, 37.5 hours a week £12.82 an hour, just above £12.71
Minimum Wage Rise Calculator New
See what the April 2027 minimum wage rise adds to your take-home pay, by week, month and year.
21 or over, 35 hours a week £655 more take-home a year
Pro Rata Salary & Holiday Calculator
Work out part-time pay and holiday entitlement, including irregular hours.
£35,000 full time, 3 days a week £21,000 a year
Redundancy Pay Calculator
Work out statutory redundancy pay, your notice, and how much of a payout is tax-free.
Age 45, 10 years, £700 a week £8,400 tax-free
Shared Parental Leave Calculator
Plan how to share a year of leave after a birth, with both parents’ pay week by week.
£35,000 and £45,000, 26 and 13 weeks £2,500 the cost of sharing
Statutory Sick Pay Calculator
Work out your sick pay under the rules from April 2026, paid from your first day off.
£35,000 salary, a week off sick £123.25 sick pay
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The rules behind the numbers
Plain-English explanations of the rules that catch people out, each with real figures for 2026/27 and a link to the calculator that does the sums.
The 60% tax trap
Why each extra £100 earned between £100,000 and £125,140 leaves you with just £38, and how pension contributions win back the allowance.
Pension guideThree ways to pay into a pension
What £100 into your pension really costs under salary sacrifice, net pay and relief at source.
Tax guideSole trader or limited company?
Take-home both ways at profits from £30,000 to £100,000 on 2026/27 rates, and the cases where a company still wins.
Property guideStamp Duty for first-time buyers
What you'll pay at prices from £250,000 to £510,000, the £500,000 cliff edge, and how Scotland and Wales differ.
Student loan guideShould you overpay your student loan?
Why extra payments often just shrink the amount written off, and who really does save by overpaying.
Figures you can check for yourself
Taken from the source
Every rate, band and threshold comes from GOV.UK, HMRC, the Scottish and Welsh governments or the Office for National Statistics, and each calculator links to the pages it used.
Checked every tax year
New rates are checked against the official source as each tax year's figures are published, and every page that uses them says when they were last checked.
Tested before every change
More than 4,000 automated checks run before each update, many of them against answers worked out by hand.