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Whatever you need to calculate · salary, tax, mortgage, savings or debt · it's all here, free and instant.
Calculate your take-home pay after income tax, NI, pension and student loan deductions.
Use Calculator →Convert any annual salary to an hourly rate, or price your freelance work correctly.
Use Calculator →Calculate your gross and net overtime pay at time-and-a-half, double time or custom rates.
Use Calculator →Find out exactly how much of your bonus you keep after income tax and National Insurance.
Use Calculator →See how a pay rise translates into actual take-home pay after tax and NI.
Use Calculator →Work out your monthly mortgage payments, total interest and LTV ratio.
Use Calculator →Find out how much SDLT you'll pay in England, Scotland or Wales.
Use Calculator →Compare the true cost of renting versus buying a home over your chosen period.
Use Calculator →Work out how long it will take to save your house deposit and track your progress.
Use Calculator →Compare your current mortgage deal to a new rate and find out your saving, fee payback and break-even point.
Use Calculator →Calculate your mortgage, rent on the unsold share and total monthly cost for shared ownership purchases.
Use Calculator →Add up all the costs of moving: stamp duty, solicitor fees, surveys, removals and more.
Use Calculator →Find out how much rent you can afford based on your take-home pay using the 30% and 30x rules.
Use Calculator →Calculate your Help to Buy equity loan repayments, interest charges from year 6 and total cost.
Use Calculator →Calculate Capital Gains Tax on property sales with PPR relief, letting relief and 60-day reporting.
Use Calculator →Calculate monthly repayments, total interest and the full cost of any personal loan.
Use Calculator →See how long it takes to pay off your credit card and total interest charged.
Use Calculator →Plan your debt payoff with the snowball or avalanche strategy and save on interest.
Use Calculator →Compare simple vs compound interest and see exactly how money grows over time.
Use Calculator →Add or remove VAT instantly at standard (20%), reduced (5%) or custom rates.
Use Calculator →Calculate income tax and Class 2/4 NI for sole traders with expense deductions.
Use Calculator →Work out your limited company corporation tax bill including marginal relief.
Use Calculator →Decode any UK tax code, understand your personal allowance and spot errors on your payslip.
Use Calculator →Find out if you've overpaid or underpaid tax and estimate your P800 refund or bill.
Use Calculator →Calculate tax on extra income from Vinted, Etsy, Airbnb, tutoring or freelancing. Includes £1,000 trading allowance.
Use Calculator →Work out the day rate you need to charge to match your target income after tax and holidays.
Use Calculator →Compare inside vs outside IR35 take-home pay. See the cost of being caught by IR35 as a contractor.
Use Calculator →Compare taking income as salary vs dividends from your limited company and find the most tax-efficient mix.
Use Calculator →Calculate employee and employer National Insurance contributions by category including self-employed Class 2 and 4.
Use Calculator →Work out tax on a second job. Understand tax codes BR, D0 and 0T and whether you'll pay too much NI.
Use Calculator →Calculate CGT on crypto disposals and income tax on staking or mining rewards. HMRC Section 104 pooling.
Use Calculator →Check your HMRC mileage allowance relief on car, motorcycle or bicycle business trips. Claim tax back on shortfalls.
Use Calculator →See how salary sacrifice into your pension reduces income tax and National Insurance for you and your employer.
Use Calculator →Compare taking a cash bonus vs sacrificing it into your pension. Saves tax and NI instantly.
Use Calculator →See how compound interest grows your savings over time with regular contributions.
Use Calculator →Track your total assets and liabilities to find your true net worth.
Use Calculator →Find out what any amount was worth in any year from 1990 to 2026 using UK CPI data.
Use Calculator →Calculate your FIRE number, savings rate and the year you can retire early. Includes state pension and SWR modelling.
Use Calculator →See how the 25% government bonus grows your LISA savings for a first home or retirement.
Use Calculator →See how much pension tax relief you get at 20%, 40% or 45%. Compare relief at source vs net pay.
Use Calculator →Find out how much tax you owe on savings interest above your Personal Savings Allowance.
Use Calculator →Understand your monthly disposable income and how much home you can afford.
Use Calculator →Project your pension pot, state pension and retirement income based on contributions and growth rate.
Use Calculator →Calculate CGT on property, shares and other assets for 2026/27 including your annual exempt amount.
Use Calculator →Work out tax on dividends from limited companies or shareholdings for 2026/27.
Use Calculator →Calculate child benefit entitlement and the High Income Child Benefit Charge for 2026/27.
Use Calculator →Estimate IHT on your estate with nil rate band, residence nil rate band and gifting allowances.
Use Calculator →Model your ISA savings growth over time with Stocks & Shares or Cash ISA returns.
Use Calculator →Calculate rental yield, cash flow and ROI on a buy-to-let property investment.
Use Calculator →Calculate your statutory redundancy pay entitlement based on age, salary and years of service.
Use Calculator →Estimate statutory maternity pay (SMP) week by week for 2026/27 including the flat rate period.
Use Calculator →Estimate your council tax bill by band and local authority, including single person discount.
Use Calculator →Check if your pay meets the National Living Wage and calculate annual earnings at minimum wage rates.
Use Calculator →Track income and expenses across all categories to see where your money goes each month.
Use Calculator →Compare two job offers side-by-side · take-home pay, benefits, pension and total package value.
Use Calculator →See how much interest you save and how many months you pay off early by overpaying your mortgage.
Use Calculator →Estimate your State Pension based on qualifying years, NI gaps and forecast retirement income.
Use Calculator →Calculate your net childcare costs after free hours, Tax-Free Childcare top-ups and UC childcare element.
Use Calculator →See how much a charity receives with Gift Aid and how much you can reclaim as a higher rate taxpayer.
Use Calculator →Estimate your monthly Universal Credit entitlement including standard allowance, housing element and earnings taper.
Use Calculator →Calculate your statutory holiday entitlement for full-time, part-time, shift and zero-hours contracts.
Use Calculator →Plan how to split shared parental leave and pay between partners. Weekly ShPP breakdown.
Use Calculator →Calculate Statutory Sick Pay entitlement, waiting days and the maximum 28-week payment period.
Use Calculator →Estimate CMS child maintenance payments based on income, number of children and shared care nights.
Use Calculator →Compare UK income tax rates and thresholds over the years to see how they've changed.
Use Calculator →Compare car allowance vs company car · take-home value, tax cost and mileage reimbursement.
Use Calculator →Compare take-home pay as a permanent employee, umbrella company or limited company contractor.
Use Calculator →Calculate benefit-in-kind tax on an electric company car and see your saving vs petrol/diesel.
Use Calculator →Calculate tax on rental income including Section 24 mortgage interest restriction for 2026/27.
Use Calculator →Plan your wedding budget across all cost categories and find out how much to save each month.
Use Calculator →Estimate total degree costs, maintenance loan entitlement and student loan repayments after graduation.
Use Calculator →Calculate solar panel savings, payback period, Smart Export Guarantee income and 25-year ROI for UK homes.
Use Calculator →Calculate the true annual cost of your commute by car or train, including the value of your time and WFH savings.
Use Calculator →Calculate petrol, diesel or EV cost per mile, monthly and annual fuel spend. Compare fuel types at your mileage.
Use Calculator →Estimate your annual gas and electricity bills by home size and tariff. Compare to Ofgem typical usage.
Use Calculator →Calculate your teacher take-home pay by pay point and region. Includes TPS pension, part-time FTE and Scottish tax rates.
Use Calculator →Compare your salary against UK median data by job title, location and experience. Find out if you're underpaid · and by how much.
Check My Pay →Compare PCP, HP and personal loan finance on any car. Monthly payments, total cost and affordability check.
Use Calculator →Calculate monthly repayments for Plan 1, 2, 4, 5 and Postgraduate loans. See when your loan is written off.
Use Calculator →Verify your payslip is correct. Enter your gross pay and tax code to see expected tax and NI vs what was deducted.
Use Calculator →See how long your pension pot will last. Enter pot size, annual withdrawal and growth rate to get your full drawdown timeline.
Use Calculator →Compare pension vs ISA for long-term saving. See which wins after tax relief, employer contributions and growth for your tax band.
Use Calculator →Calculate your ideal emergency fund based on monthly expenses, employment type and dependants. See how long to build your safety net.
Use Calculator →Compare cost of living between UK cities. Find the equivalent salary you'd need in Manchester, Bristol, Edinburgh and 27 more cities.
Use Calculator →Calculate your UK road tax (VED) for 2026/27. First year rate, standard rate and expensive vehicle supplement for any CO2 band.
Use Calculator →Should you overpay your mortgage or invest the money? Compare guaranteed interest savings vs potential investment returns side by side.
Use Calculator →See exactly how much you save moving credit card debt to a 0% deal. Accounts for transfer fees, intro period length and what happens when the 0% ends.
Use Calculator →Clear debt faster by attacking the highest interest rate first. See your payoff order, total interest saved and months to debt-free vs minimum payments only.
Use Calculator →Find the true cost and real APR of Klarna, Clearpay and Pay in 3 schemes before you buy. See what one missed payment actually costs you.
Use Calculator →Calculate your Statutory Paternity Pay for 2026/27. See weekly SPP, net take-home during leave and the income gap vs your normal salary.
Use Calculator →Find your State Pension age, projected weekly payment and how many more qualifying NI years you need. See the cost of buying missing years.
Use Calculator →Estimate your annual gas and electricity bill by home size using Ofgem Q2 2026 price cap rates. Includes EV charging and seasonal monthly breakdown.
Use Calculator →Calculate tax on EMI, CSOP and unapproved share options. See income tax, CGT and net proceeds after Business Asset Disposal Relief for 2026/27.
Use Calculator →Calculate income tax relief and CGT benefits from EIS and SEIS startup investments. See upfront relief, effective cost and net returns at different exit multiples.
Use Calculator →See how much you save by transferring 10% of your Personal Allowance to your spouse. Backdate up to 4 years for up to £1,258 in total tax savings.
Use Calculator →Calculate your WFH tax relief for 2026/27. Compare the HMRC flat rate (£6/week) against actual costs to claim the higher amount back.
Use Calculator →Calculate the P11D tax on company perks including private medical insurance, gym membership, company vans and beneficial loans for 2026/27.
Use Calculator →Check if you've hit the £60,000 annual allowance and how much you can carry forward from the past 3 years. Covers tapered and Money Purchase allowances.
Use Calculator →Project how much your child's Junior ISA could be worth at 18. Compare Cash JISA vs Stocks & Shares returns with monthly contributions and lump sums.
Use Calculator →The Cash ISA allowance drops to £12,000 in April 2027 and savings tax rises to 22%. See exactly how much extra tax you'll pay and your best options.
Use Calculator →Step-by-step articles to help you get the most from every calculator
A step-by-step guide to understanding income tax, NI and pension deductions using our salary calculator.
Read Guide →Learn how to work out your monthly payments, total interest and what LTV means for your rate.
Read Guide →How AfC bands, London weighting, pension tiers and tax all combine to give your actual take-home pay.
Read Guide →Class 2 and Class 4 NI, Self Assessment, payment on account · everything sole traders need to know.
Read Guide →First-time buyer relief, second home surcharges, and how SDLT bands work in England, Scotland and Wales.
Read Guide →We're writing step-by-step tutorials for every calculator. Check back soon.
View All Guides →Built specifically for UK users with 2026/27 tax rates
All calculations happen as you type. No waiting, no submitting forms.
Built around UK tax law, SDLT, NI, and 2026/27 HMRC rates.
Each tool gives you actionable insights, not just numbers.
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Yes. All tax rates, personal allowances, NI thresholds and SDLT bands are updated for the 2026/27 UK tax year. Rates are hardcoded and clearly labelled on each calculator page.
No. UKFinanceCalculator provides tools for informational and educational purposes only. The results should not be treated as financial, tax or legal advice. Always consult a qualified financial adviser or HMRC for personalised guidance.
No account or sign-up is required. All calculations run entirely in your browser. No data is sent to any server.
For informational purposes only · Not financial advice · Tax rates shown are for 2026/27