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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 →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 →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 →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 →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 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 →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