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Every UK personal-finance calculator and checker on the site, grouped by topic: take-home pay, tax and HMRC, working for yourself, pensions, saving and investing, options, home and family, and everyday money. Free, 2026/27 rates, no sign-up.
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73
free tools
Each calculator should show the working or the assumptions on its own page. If the result surprises you, inspect the assumptions first.
The worked examples library takes common 2026/27 cases, such as take-home pay, salary sacrifice, the High Income Child Benefit Charge and Capital Gains Tax, step by step.
73 tools shown across 9 categories · updated for the 2026/27 UK tax year
Every calculator on the site, grouped by topic.
Start here
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Adjusted Net Income CalculatorCalculate your Adjusted Net Income (ANI) — the figure HMRC uses for the 60% trap, HICBC, and the £100k childcare cliff.
Rent vs Buy CalculatorOver a short stay the upfront Stamp Duty, fees and selling costs of buying have less time to be offset, so the length of stay matters as much as the monthly figures.
Complaint escalation plannerA UK complaint escalation planner for financial businesses, energy suppliers and consumer disputes.
Salary & take-home pay
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Bonus, Pay Rise & Overtime CalculatorHow much of your bonus do you actually keep? UK 2026/27 marginal-rate maths including the 60% trap and student loan deductions.
Company Car and EV BIK CalculatorEstimate the Income Tax on a company car under 2026/27 BIK rates: petrol, diesel, hybrid or electric (4%), with fuel benefit and employee contributions.
RSU and stock options tax calculatorCalculate income tax + NI on RSU vests and the CGT on subsequent disposal.
Maternity Pay and Leave CalculatorSMP pays 90% of your average weekly earnings for the first 6 weeks, then £194.32 a week or 90% if lower for the next 33 weeks, and leave beyond 39 weeks is unpaid.
Paternity Pay and Leave CalculatorStatutory Paternity Pay (SPP) and leave for 2026/27.
Redundancy Pay and Tax CalculatorCalculate the tax-free £30,000 portion of redundancy and what's taxable on top.
Shared Parental Leave PlannerPlan UK Shared Parental Leave between two parents.
Student Loan Repayment CalculatorProject your UK student loan repayment for Plan 1, 2, 4, 5 or Postgraduate.
Second Job and Tax Code CalculatorBR, D0 or split allowance — pick the right second-job tax code.
Tax & HMRC
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Tax-Year Transition CheckerTax-year transition checker: what to re-run after 6 April, from pay and pensions to ISA, CGT and Self Assessment.
EIS / SEIS Tax Relief CalculatorEIS and SEIS investment tax relief for 2026/27 — 30% / 50% Income Tax relief, CGT exemption, loss relief, IHT Business Relief.
UK Tax Drag CalculatorThis works out your 2026/27 take-home pay, effective tax rate and pension growth from your gross salary, salary sacrifice and employer pension percentages, student loan plan and Child Benefit.
VCT Tax Relief CalculatorVCT tax relief 2026/27: 20% income tax relief on VCT shares issued from 6 April 2026 (30% before), tax-free dividends and CGT-free gains, up to £200k a year.
60% Tax Trap Escape CalculatorThe pension contribution that brings adjusted net income back to £100,000 in 2026/27, and the Income Tax and NI it saves, for the UK and Scotland.
UK Marginal Tax Rate CalculatorFind your marginal UK tax rate for 2026/27, the rate on the next £1 you earn: Income Tax, NI, the 60% band, the Child Benefit charge and student loans.
Working for yourself
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IR35 / Employment Status CheckerQuick IR35 employment-status check using HMRC's CEST framework.
Buy-to-Let Cashflow CalculatorThis calculator works out the first-year cash flow on a buy-to-let from the price, deposit, mortgage rate, rent and one annual figure for running costs.
Landlord Capital Allowances CalculatorUK Replacement of Domestic Items Relief (RDIR) for landlords.
Director extraction plannerDirector extraction planner — model salary, dividends, and pension contributions to find the most tax-efficient mix for 2026/27.
Dividend vs Salary CalculatorThis calculator compares the full tax cost of taking money out of your own limited company as salary or as dividends under 2026/27 rules.
UK Dividend Tax CalculatorThis calculator works out UK dividend tax for 2026/27.
Umbrella vs PAYE vs Limited Company CheckerUmbrella vs PAYE vs limited company: see which working arrangement keeps the most of your day rate after IR35 and 2026/27 tax.
Side Hustle and Self Assessment CheckerEarned £1,000+ on the side? See whether HMRC requires a Self Assessment return and what the deadline is for the current tax year.
Sole Trader Tax CalculatorUK sole-trader tax for 2026/27: income tax and Class 4 NI on your profit in one calculator, with the £1,000 trading allowance option.
UK VAT CalculatorThis calculator adds VAT to a net price or takes it out of a gross price at the UK standard rate of 20%, the reduced rate of 5% or the zero rate.
Pensions & retirement
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UK Pension CalculatorUK pension projection: enter age, salary, contributions and employer match.
State Pension Class 3 top-up calculatorEnter your age, qualifying years, the years you can still work and up to 6 past years to fill, and the calculator shows the cost, the extra State Pension and the age at which it repays its cost.
UK State Pension Forecast CalculatorForecast your full UK new State Pension for 2026/27.
Annuity vs Drawdown CalculatorAnnuity vs drawdown: compare a guaranteed income with a flexible pot using your own annuity rate, withdrawal rate and return, with a chart and breakeven age.
Pension drawdown tax calculatorPension drawdown income tax for 2026/27. See the bill on a flexible withdrawal, the emergency-tax trap, and the 25% tax-free portion.
When Can You Retire?FIRE, short for financial independence, retire early, means building a pot whose returns can cover your spending.
Tax-Free Lump Sum CalculatorTake 25% PCLS upfront vs UFPLS phased — model the income tax difference for 2026/27 and the £268,275 Lump Sum Allowance cap.
Higher-Rate Pension Tax Relief Claim CalculatorPersonal pension and SIPP contributions paid from taxed income get basic-rate relief added by the provider automatically.
Pension Carry Forward CalculatorCarry forward lets you add unused pension Annual Allowance from the previous three tax years to this year's, provided you were a member of a registered pension scheme in those years.
Salary Sacrifice Pension CalculatorSalary sacrifice into pension and see the income tax + NI saving instantly, plus your retirement pot after compound growth.
Saving & investing
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Compound Interest CalculatorUK compound interest calculator with monthly contributions, a real-returns toggle for inflation, and a year-by-year chart of what you paid in against growth.
Savings Interest Tax CalculatorFree UK savings interest tax calculator 2026/27.
Crypto Tax CalculatorThis calculator estimates UK tax on cryptoassets for 2026/27.
Autumn Budget 2026The Autumn Budget 2026 date is Wednesday 28 October 2026, and each pre-Budget theme here is labelled confirmed, expected, rumour or ruled out as it stood on 2 October 2026.
ETF cost comparison calculatorCompare the total cost of owning UK ETFs over a holding period: ongoing charge, bid-ask spread, withholding tax, platform fee and currency conversion.
ETF overlap checker for UK investorsCheck how far two ETFs overlap by region and asset mix, using the site’s ETF data, so you can spot funds that do the same job before you buy.
Emergency fund calculatorThis calculator sets an emergency fund target from your essential monthly outgoings: housing, bills, food, transport, insurance, childcare and minimum debt payments.
UK 7-Year IHT Gift TrackerTrack lifetime gifts under the 7-year IHT rule with taper relief modelling.
Capital Gains Tax on Shares CalculatorUK CGT on shares for 2026/27 with HMRC share-pool accounting, £3,000 annual exempt amount, and 18% / 24% rates.
Cash ISA cap calculatorCash ISA cap calculator: see what the £12,000 Cash ISA limit from 6 April 2027 could cost you in extra savings tax, by tax band, over 1 to 10 years.
ISA vs GIA Tax Drag CalculatorFill your ISA before a GIA: the same returns end up far apart because a GIA is taxed on dividends above £500 and gains above £3,000 a year, while an ISA pays neither.
Lifetime ISA CalculatorLifetime ISA calculator with the 25% government bonus modelled.
Options trading
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IV rank and historical volatility calculatorTurns pasted daily implied volatility readings into IV rank and IV percentile side by side (or a rank from a 52-week high and low), with historical volatility from closing prices.
Option price and Greeks calculatorPrices a call or put on ICE, FTSE 100 or US contracts, European and American side by side, with the five Greeks per contract and the implied volatility of a typed price.
Options plannerThe planner holds four tools. The expected-move calculator gives a lognormal band that cannot go below zero and the model probability of finishing beyond or touching a price.
Options strategy builderAn options profit and loss calculator for UK contracts: up to six legs on ICE, FTSE 100 or US options, with P&L, breakevens, Greeks and probabilities in pounds.
UK options CGT calculatorA UK options capital gains tax calculator for 2026/27 that runs in the browser and uploads nothing.
Home, family & life events
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Child Benefit and HICBC CalculatorYou keep all your Child Benefit while the higher partner's adjusted net income is at or below £60,000, and lose all of it once that income reaches £80,000.
Tax-Free Childcare and Free Hours ChooserEnter your child's age, childcare cost and each adult's earnings and adjusted net income to see whether Tax-Free Childcare, England's 30 hours or the universal 15 hours fits best.
Inheritance Tax CalculatorUK Inheritance Tax for 2026/27 — Nil-Rate Band, Residence Nil-Rate Band taper, 7-year gifting, and the 36% reduced rate.
Marriage Allowance CheckerMarriage Allowance checker — see whether you qualify for the £252 transfer for 2026/27, and whether to backdate up to four prior tax years.
Remortgage break-even calculatorRemortgage break-even calculator: how many months of lower repayments it takes to recover the fees, early repayment charge and other costs of switching.
Stamp Duty Land Tax CalculatorEnter the purchase price and your buyer type to see the SDLT due on a home in England or Northern Ireland, band by band, for 2026/27.
Capital Gains Tax on PropertyThis calculator estimates the Capital Gains Tax on selling a UK home that has not been your only or main home for the whole time you owned it.
Mortgage Calculator with OverpaymentsEnter house price, deposit, rate and term for your monthly payment and total interest, then add a monthly overpayment to see the years and interest it saves.
Stamp Duty Second Home CalculatorUK second home stamp duty 2026/27: full rate bands, 5% additional surcharge, 2% non-UK-resident surcharge, free SDLT calculator.
Everyday money
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Energy switching calculatorCompare UK energy tariffs by annual usage, unit rates, standing charges, exit fees and cashback before switching supplier or tariff.
Fixed vs variable energy tariff calculatorCompare a fixed UK energy tariff with a variable tariff path using your annual usage, standing charges, exit fees and your own price-cap assumptions.
Water meter calculatorA simple UK water meter sanity checker to compare your current unmetered water bill with a metered estimate and official CCW guidance.
APP scam refund checkerCheck whether a UK bank transfer scam is covered by the APP reimbursement rules: who qualifies, the £85,000 cap, the 13-month deadline, how banks decide and how to escalate.
Emergency Tax and Refund CheckerStuck on an emergency tax code? See whether you've overpaid, by how much, and the fastest route to claim it back from HMRC.
FSCS savings protection checkerA UK FSCS cash protection checker using the current £120,000 deposit limit, joint account treatment and temporary high balance rules.
Balance transfer plannerPlan a UK credit card balance transfer: fee, promotional window, monthly payment needed, leftover balance and interest risk after the offer ends.
Credit card payoff calculatorMinimum payments are not a plan: put in your card balance, APR, minimum payment percentage, cash floor and a fixed monthly payment to see the debt-free date, total interest and interest saved.
Debt payoff calculatorThis calculator compares two ways to repay several non-priority debts, such as credit cards, overdrafts and loans, from one monthly budget.
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Pages are checked against the primary sources listed on each page and reviewed by the Editor; corrections are logged in the changelog. Pages are drafted with the help of AI tools (how AI is used). No affiliate revenue. No sponsored content. No paid placements.
UK Tax Drag is an independent publication by Finsolve Consulting Limited, not affiliated with or endorsed by HMRC, GOV.UK or any government body.