All Calculators

Every UK personal-finance calculator, decision tool and QA route on the site, organised by category. 73 tools covering tax, pensions, property, investing, family benefits, contractors, HMRC navigation, planning packs, calculator QA and guided decision routes. Free, 2026/27 rates, no sign-up.

By the UK Tax Drag editorial team · Reviewed 2 May 2026

Calculator finder

Find the right tool by goal, topic, or HMRC problem

Search by keyword or narrow the list by area. The best route is usually the one that matches the job you are trying to do, not just the product name.

98 free tools

Use by goalStart with the life event

Search "home", "P800", "childcare" or "pension" before worrying about the exact calculator name.

Trust habitCheck assumptions

Each calculator should show the working or the assumptions on its own page. If the result surprises you, inspect the assumptions first.

QA LabRun the professional check

The Calculator QA Lab explains formulas, confidence labels, worked examples and edge cases before you rely on a result.

Choose the right routeUse the Decision Centre when you know the life event but not which calculator to open first. Lower tax this yearStart with the annual health check, then move into salary sacrifice or adjusted net income. Buying or remortgagingCompare mortgage, SDLT, rent versus buy, and remortgage break-even decisions. Pension planningCheck annual allowance, taper, carry-forward, and drawdown before retirement. HMRC letter panicDecode P800, P2, tax-code, and penalty letters before deciding what to do next. Cards, debt and billsCredit card payoff, balance transfers, debt strategy, emergency fund, switching, bills and car finance. Energy and household billsEnergy switching, fixed tariffs, Economy 7, broadband, insurance, water and council tax checks. Scams, refunds and protectionAPP fraud refunds, Section 75, chargeback, Direct Debit errors, entitlements and FSCS cash protection. Check calculator qualitySee the formula checks, worked examples, confidence labels and edge cases behind the tools.

98 tools shown across 12 categories · updated for the 2026/27 UK tax year · embed any of these on your site

73 free calculators and tools, grouped by topic. Every one is listed here — this page is generated from the site index, so nothing can go missing.

Start here 4

Adjusted Net Income Calculator Rent vs Buy Calculator Warm Home Discount Checker Complaint Escalation Planner

Salary & take-home pay 9

Bank Switching Bonus Tracker Bonus Tax Calculator UK: How Much Do You Actually Keep? Company Car and EV BIK Calculator Maternity Pay and Leave Calculator Paternity Pay and Leave Calculator Redundancy Pay and Tax Calculator Shared Parental Leave Planner UK Student Loan Repayment Calculator — Plan 1, 2, 4, 5 Second Job and Tax Code Calculator

Tax & HMRC 6

Tax-Year Transition Checker — what changes on 6 April for you UK EIS / SEIS Tax Relief Calculator UK Salary Calculator: Take-Home Pay After Tax, NI + Pension UK VCT Tax Relief Calculator — 30% Income Tax Credit 60% Tax Trap Escape Calculator — how much to pension Marginal Tax Rate Calculator UK: Tax on Your Next £1

Working for yourself 10

IR35 / Employment Status Checker UK Buy-to-Let Calculator — Section 24 & SPV Impact UK Landlord Capital Allowances Calculator Director extraction planner Dividend vs Salary Calculator UK Dividend Tax Calculator | uktaxdrag.co.uk Umbrella vs PAYE vs Limited Company Checker Side Hustle and Self Assessment Checker Sole Trader Tax Calculator UK VAT Calculator — add or remove VAT

Pensions & retirement 11

UK Pension Calculator: What Will Your Pot Be Worth? State Pension Class 3 Voluntary NI Top-Up Calculator UK State Pension Forecast Calculator Annuity vs Drawdown Calculator UK Pension drawdown tax calculator UK FIRE Calculator — When Can You Retire? | uktaxdrag.co.uk UK Tax-Free Lump Sum Calculator — Take 25% Now or UFPLS Later? Higher-Rate Pension Tax Relief Claim Calculator Pension Annual Allowance & Carry Forward Calculator UK Pension Carry Forward Calculator — Use Unused Annual Allowance UK Salary Sacrifice Pension Calculator — Tax & NI Savings

Saving & investing 13

UK Compound Interest Calculator UK Savings Interest Tax Calculator UK Crypto Tax Calculator — CGT 18%/24% + Staking Income Autumn Budget 2026: Date, Predictions + What It Means for You ETF cost comparison calculator (OCF + spread + WHT + platform) ETF overlap checker for UK investors Emergency Fund Calculator UK 7-Year IHT Gift Tracker — Lifetime Gifts and Taper Relief UK Net Worth Tracker — Private & In-Browser | uktaxdrag.co.uk Capital Gains Tax on Shares Calculator Cash ISA Cap Calculator: What the £12,000 Limit Costs You ISA vs GIA Calculator — Calculate Your Tax Drag | uktaxdrag.co.uk UK Lifetime ISA Calculator — 25% Bonus, First Home & Retirement

Options trading 1

RSU and stock options tax calculator UK

Home, family & life events 9

Child Benefit Charge Calculator: What You Keep Over £60k Tax-Free Childcare and Free Hours Chooser UK Inheritance Tax Calculator — Nil-Rate Band, RNRB & Taper Marriage Allowance Checker Remortgage break-even calculator Stamp Duty Calculator 2026: How Much SDLT Will You Pay? UK Capital Gains Tax on Property Calculator UK Mortgage Calculator with Overpayments UK Stamp Duty Second Home Rates — Free SDLT Calculator

Everyday money 10

Economy 7 / EV Tariff Checker Energy Switching Calculator UK: Can You Beat the October Cap? Should I Fix My Energy Tariff Before October 2026? Calculator Water Meter Calculator APP Scam Refund Checker Emergency Tax and Refund Checker FSCS Savings Protection Checker Balance Transfer Planner Credit Card Payoff Calculator Debt Payoff Calculator: Avalanche vs Snowball

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Every page is reviewed against the editorial standards, written from primary sources, sourced openly, and corrected publicly. No affiliate revenue. No sponsored content. No paid placements.

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