Thirty-seven carefully-built calculators for the decisions that actually move money in your life. No sign-up, no paywall, no affiliate links. Ads stay out of the main calculator flow. Current 2026/27 UK tax rules are baked in, and every calculator produces a shareable URL so you can send your working to a partner or adviser.
Most people use a calculator once, get a single number, and close the tab. That's a waste. The real value of a calculator is in watching the number change as you move an input — that's where you learn which levers matter and which ones are noise.
Every calculator below shows the working, the formula, and the assumptions. Where there's a tax wrinkle (60% trap, dividend allowance, FTB relief cliff, write-off date), it's explained in plain English on the page itself. Nothing is hidden.
If you need the rules before the numbers, start with the Tax Health Check, the First-Time Buyer Guide, the Tax Calendar, or the Self-Employed Toolkit.
Search by keyword or narrow the list by topic. If you are arriving with a real-life task instead of a product name, start with one of the guided paths below.
Build a clean baseline first, then test the pension and student-loan levers that change take-home pay the fastest.
Use the mortgage and stamp-duty tools together so the deposit, monthly payment, and transaction tax all sit in one picture.
Start with the simple growth maths, then compare wrappers so you know which account is doing the real work over time.
Work out whether you are modelling self-employed profit, payroll extraction, or dividend planning before you disappear into the wrong tax rule.
ANI is the number that decides whether some family support starts leaking away. Use these pages together if a pay rise has brought Child Benefit or childcare rules into view.
Payroll gets messy around notice pay, emergency codes, and second jobs. Use these pages when the question is about what lands in your bank rather than your headline gross pay.
Use these pages together when a new child changes both your leave income and the family support routes that matter after the birth.
What the UK system actually takes from salary, job changes, business income, and the next pound you earn.
Full UK take-home calculator for 2025/26 and 2026/27. Models the Personal Allowance taper, 60% trap, HICBC, all five student loan plans, employee & employer NI, and salary sacrifice pension contributions. Shows marginal rate, effective rate, and total tax drag.
Open calculatorSee the real cost of a pension contribution when you sacrifice salary instead of paying in from net pay. Factors in employee & employer NI savings, the 60% trap, and whether your employer passes on their NI saving. Shows both this year's take-home and the retirement pot.
Open calculatorWhere your salary sits on the UK income distribution — percentile, median comparison, and the threshold bands that really matter (£50,270, £100k, £125,140). Useful for pay negotiations and sanity-checking recruiter pitches.
Open calculatorCompares common second-job codes like BR, D0, D1, 0T and 1257L against a simple annual tax estimate so you can see whether too much or too little tax is likely to be coming off.
Open calculatorCompares a common emergency-code or BR/0T result with a normal cumulative 1257L position so you can gauge whether payroll may have taken too much tax so far and what the likely refund route is.
Open calculatorChecks the common boundary between casual side income and the point where HMRC is likely to expect action, using the trading allowance, personal-possession split, HICBC and return triggers as the first pass.
Open calculatorMonth-by-month simulation of Plans 1, 2, 4, 5, and Postgrad with 2026/27 thresholds. Projects salary growth, write-off date, and total repaid. Includes the "don't overpay" insight: most borrowers on Plan 2/5 never repay in full, so overpayments are wasted money.
Open calculatorShows how much of the next chunk of pay you actually keep after tax, NI, student loan, salary sacrifice, and HICBC. Built for the practical question people really ask after a raise: how much do I actually get?
Open calculatorEstimates employee company-car tax from list price, CO2 band, electric range, fuel benefit and your marginal tax rate. Useful when an EV offer looks attractive but you need the real payroll cost.
Open calculatorSeparates statutory redundancy pay, extra severance, taxable notice pay and holiday pay so you can estimate what part of a package is tax free and what part behaves like wages.
Open calculatorWorks out the ANI number that sits behind the Personal Allowance taper, Child Benefit clawback, and Tax-Free Childcare limit. Useful when you need the threshold number before you can judge the rest.
Open calculatorChecks the usual eligibility conditions for Marriage Allowance, estimates the couple-level saving, and flags when the older Married Couple's Allowance route is more relevant.
Open calculatorTurns turnover and allowable costs into taxable profit, income tax, Class 4 NICs, student loan drag, and a sensible reserve figure. Useful for freelancers who need to stop treating turnover like spendable cash.
Open calculatorCompares payroll extraction with dividends by stacking employer NI, corporation tax, PAYE and dividend tax in one model. A strong first pass for owner-managers before accountant-level optimisation.
Open calculatorCompares a first-pass cash outcome for employment, umbrella payroll and a one-person limited company, then flags the admin and IR35 risk that matter alongside the headline take-home number.
Open calculatorChild Benefit, childcare, maternity, paternity, and the thresholds that suddenly matter when family life changes.
Turns the higher earner's ANI and the family's Child Benefit into the actual charge, the amount kept, and the gross ANI reduction needed to remove the clawback.
Open calculatorChecks the standard ANI, earnings and age rules for Tax-Free Childcare and England's free-hours schemes, then estimates the account top-up or headline value of the hours.
Open calculatorEstimates Statutory Maternity Pay, the paid versus unpaid leave weeks, and the core leave dates that matter when you are planning income around a birth.
Open calculatorChecks the April 2026 day-one leave rules, the separate SPP service and earnings tests, and the likely dates for a planned block of leave.
Open calculatorMaps the shared leave and Shared Parental Pay weeks still available once maternity or adoption leave is curtailed, then checks whether your planned split fits within the statutory caps.
Open calculatorThe compounding maths and the tax wrappers that keep more of it in your pocket.
The most important calculator on the site. Monthly compounding with contributions, optional inflation adjustment (nominal vs real returns), and an SVG chart that splits your final pot into contributions vs. growth. Includes a Rule of 72 reference.
Open calculatorEstimates how much of your taxable savings interest is covered by spare Personal Allowance, the starting rate for savings, and the Personal Savings Allowance before the remainder starts getting taxed.
Open calculatorSide-by-side simulation of a £20k/year ISA pot versus the same money held in a General Investment Account, paying dividend and capital gains tax along the way. Shows the tax drag over time and the annual "Bed & ISA" tip.
Open calculatorProjects your SIPP or workplace pension pot to retirement age, including employer matches, annual contributions growing with inflation, and real vs. nominal returns. Shows the 25% tax-free cash and a sustainable drawdown estimate.
Open calculatorWorks out the 2026/27 tax on dividend income using the £500 dividend allowance and the 8.75% / 33.75% / 39.35% band rates. Handy for director-shareholders deciding between salary and dividends, or ETF investors outside an ISA.
Open calculatorProjects a Lifetime ISA to a first-home deposit or age 60+ retirement, with the 25% government bonus (up to £1,000/year free) and the £450k property price cap. Compares against a SIPP for higher-rate savers and explains the 25% early-withdrawal penalty.
Open calculatorA pool-average estimate of your 2026/27 UK crypto tax using Section 104 logic: CGT on disposals at 18%/24% and income tax on staking/mining/airdrop receipts. Explains the same-day and 30-day matching rules you need for actual filing.
Open calculatorEstimates CGT on listed shares or funds using pooled cost, carried losses, the £3,000 annual exempt amount, and the 18% and 24% rates. Built as a first-pass estimate before detailed share matching work.
Open calculatorThe two biggest line items in most UK balance sheets — buy-price, stamp duty, and twenty-five years of monthly repayments.
Full amortisation with monthly repayment, total interest, LTV tiers, and an overpayment simulator that shows how many years and pounds you save. Toggles between repayment and interest-only. Includes a warning about ERCs and the fixed-vs-tracker trade-off.
Open calculatorEngland & Northern Ireland SDLT for 2026/27. Handles standard buyers, first-time buyer relief (with the £500k cliff), the 5% additional-dwelling surcharge, and the 7% non-UK-resident surcharge. Shows the per-band breakdown so you can see where the money goes.
Open calculatorCompares renting with buying over a chosen horizon using mortgage interest, SDLT, maintenance, sale costs, and the opportunity cost of tying up your deposit. Best for “buy now or wait?” decisions.
Open calculatorGross and net yield, monthly cashflow after tax, with Section 24 baked in (mortgage interest is no longer deductible for individuals — just a 20% tax credit). Compares personal ownership vs. a Limited Company SPV and shows SDLT with the 5% surcharge.
Open calculatorResidential-rate CGT (18% / 24%) on a property sale, with Private Residence Relief pro-rated for time as your home, Letting Relief, the £3,000 AEA, and the 60-day reporting rule. Splits the gain with a spouse to double the AEA.
Open calculatorNet worth, financial independence, pension limits, and the long game.
Your Financial Independence / Retire Early target. Uses the 25× rule and the Trinity Study's 3.5–4% safe withdrawal range, adjusts for the State Pension bridge, and shows the classic savings-rate-to-years table. Also explains Lean, Regular, Fat, Coast, and Barista FIRE.
Open calculatorAssets minus liabilities, broken down by category (cash, investments, property, pensions, debt). Nothing clever — just a clean snapshot you can revisit quarterly. The habit of tracking is more important than the number itself.
Open calculatorModels the 2026/27 Nil-Rate Band (£325k), Residence Nil-Rate Band (£175k with the £2m taper), spouse transfer up to £1m combined, the 7-year gift taper, and the 36% reduced rate for estates leaving 10%+ to charity. Frozen bands are quietly dragging more estates in each year.
Open calculatorEstimates current-year annual allowance, carry forward, taper risk, and MPAA friction before you accidentally cross into an annual allowance charge. Especially useful for higher earners and large one-off contributions.
Open calculatorTry a broader term, or switch back to All to browse the full library.
Every calculator on this site is a single HTML file. The maths runs in your browser — nothing is sent to a server, nothing is tracked, and nothing is stored. Refresh the page and your inputs reset.
Tax rules and thresholds are hard-coded to the 2026/27 UK tax year (updated annually, usually in April when new rates take effect). Where a calculation involves an assumption — an expected return, an inflation rate, a salary growth rate — you can change it. Defaults are deliberately conservative.
These tools are educational. They're not financial advice. They can't know your full circumstances, and no calculator can replace a proper conversation with a regulated adviser when the stakes are high. Use them to build intuition, then check anything important with someone qualified.