UK Financial Calculators
Free UK financial calculators covering income tax, mortgages, ISAs, pensions and more. All use confirmed 2026/27 rates and are updated after every Budget.
37
Free calculators
2026/27
Tax year rates
£0
No sign-up needed
100%
In-browser, private
Tax & Income
10Take Home Pay Calculator
Calculate your net salary after income tax, NI, pension and student loan, by year, month, week or day.
Open calculatorNational Insurance Calculator
Calculate your Class 1 NI contributions as an employee or employer.
Open calculatorSalary Calculator
Convert between annual, monthly, weekly, and hourly pay after tax.
Open calculatorSalary Comparison Calculator
Compare two salaries side-by-side: income tax, NI, pension, and take-home pay.
Open calculatorSelf-Employed Tax Calculator
Estimate income tax and Class 2/4 NI for sole traders and freelancers.
Open calculatorCapital Gains Tax Calculator
Calculate CGT on property, shares, and other assets.
Open calculatorDividend Tax Calculator
Work out tax owed on dividends, including the optimal salary/dividend split.
Open calculatorTax Code Calculator
Find out what your tax code means and whether you are paying the right amount of tax.
Open calculatorMinimum Wage Calculator
Check if you are being paid at least the National Minimum Wage or Living Wage, and see your annual equivalent pay.
Open calculatorCouncil Tax Calculator
Calculate your annual Council Tax bill from your band and local Band D rate, including single-person and student discounts.
Open calculatorMortgage & Property
6Mortgage Calculator
Calculate monthly repayments, total interest, and full amortisation schedule for any UK mortgage.
Open calculatorStamp Duty Calculator
Calculate stamp duty (SDLT) for England & NI, including first-time buyer relief.
Open calculatorMortgage Affordability
Estimate how much you could borrow based on your income and deposit, across conservative, typical, and maximum lending multiples.
Open calculatorMortgage Overpayment
See how much interest and time you save by making regular overpayments on your mortgage.
Open calculatorRent vs Buy Calculator
Compare the 10-year cost of renting versus buying a property.
Open calculatorHelp to Buy Calculator
Calculate repayments on the government Help to Buy equity loan.
Open calculatorSavings & Investing
7ISA Calculator
Track your ISA allowance and project growth across Cash, Stocks & Shares, and Lifetime ISAs.
Open calculatorLifetime ISA Calculator
See the impact of the 25% government bonus on your first home or retirement savings.
Open calculatorHelp to Buy ISA Calculator
Calculate the government bonus on your Help to Buy ISA savings.
Open calculatorCompound Interest Calculator
Project how your savings grow with compound interest over time.
Open calculatorInvestment Return Calculator
Calculate total returns including dividends and capital growth.
Open calculatorSavings Goal Calculator
Work out how long it will take to reach a savings target.
Open calculatorInflation Calculator
See what a sum of money is worth in today's terms after inflation.
Open calculatorRetirement
6Pension Calculator
Project your pension pot size and monthly retirement income.
Open calculatorCoast FIRE Calculator
Find how much you need invested today to coast to financial independence.
Open calculatorSalary Sacrifice Calculator
See how pension salary sacrifice reduces your tax and NI bill.
Open calculatorState Pension Calculator
Estimate your State Pension based on your National Insurance record.
Open calculatorChild Benefit Calculator
Calculate your Child Benefit entitlement and the High Income Tax Charge.
Open calculatorPension IHT Calculator
Calculate IHT on your pension pot under the April 2027 rule change.
Open calculatorOther
8Maternity Pay Calculator
Calculate Statutory Maternity Pay (SMP), Paternity Pay (SPP), and Shared Parental Pay.
Open calculatorStudent Loan Calculator
Calculate monthly repayments for Plan 1, 2, and 5 student loans.
Open calculatorInheritance Tax Calculator
Estimate IHT liability on an estate and explore allowances.
Open calculatorRedundancy Pay Calculator
Work out your statutory redundancy entitlement based on age and service.
Open calculatorDebt Payoff Planner
Create a plan to clear debts using avalanche or snowball methods.
Open calculatorBudget Planner
Track income and expenses to build a monthly budget.
Open calculatorNet Worth Calculator
Add up your assets and liabilities to calculate your net worth.
Open calculatorAnnual Leave Calculator
Find out the monetary value of your holiday entitlement and daily rate.
Open calculatorWhich calculator do I need?
If you're unsure where to start, here's a quick guide to the most commonly used calculators on this site.
Employed and want to check your pay
Use the Take-Home Pay calculator to see exactly how much income tax and National Insurance you'll pay on your salary, and what you'll actually receive each month.
Buying a home or remortgaging
The Mortgage calculator works out monthly repayments for any loan size, term, and rate. First-time buyers should also check the Stamp Duty calculator to understand upfront purchase costs.
Saving or investing
The ISA Allowance tracker shows how much of your £20,000 annual allowance you've used. To model long-term growth, use the Compound Interest calculator.
Planning for retirement
Use the Pension calculator to see how your pot might grow by retirement and what income it could provide. The Salary Sacrifice calculator shows how contributing more through your employer can save you tax.
Self-employed or freelance
The Self-Employed Tax calculator covers income tax, Class 2 and Class 4 National Insurance contributions, so you know exactly how much to set aside from your profits.
Selling assets or investments
The Capital Gains Tax calculator applies the correct CGT rates for 2026/27, including your annual £3,000 tax-free allowance, so you can estimate what you'll owe HMRC when you sell shares, property, or other assets.
How our calculators stay accurate
UK tax rates and thresholds change each April, and Budget announcements can also affect rates mid-year. Every calculator on this site is checked against the current HMRC guidance and official GOV.UK publications after each Budget, and updated to reflect the current 2026/27 tax year.
All calculations run entirely in your browser. No data is sent to any server, and nothing is stored between sessions. That means your financial information stays completely private.
While we aim for accuracy, these tools are for guidance only. Tax situations can be complex, and for anything involving significant sums we recommend speaking with a qualified accountant or financial adviser.
What these calculators don't cover
UK tax law is complex, and some situations are outside the scope of an online calculator. These tools don't cover:
- Non-domicile (non-dom) tax status and foreign income
- Complex investment structures like EIS or SEIS
- Income from trusts, estates, or overseas pensions
- Tax reliefs that require HMRC approval or professional advice
- Scotland-specific income tax rates (most calculators default to England/Wales/NI rates)
For Scotland income tax, the Take-Home Pay calculator includes a Scotland option.
Frequently asked questions
- Are these calculators accurate?
- We aim to be accurate for the 2026/27 tax year, using rates confirmed by HMRC, DWP, and official government sources. Tax situations vary. If yours is complex (multiple income sources, non-dom status, overseas income), treat these as estimates and consult an accountant.
- What tax year do the calculators use?
- All calculators default to 2026/27 (6 April 2026 to 5 April 2027) unless stated otherwise. Some calculators let you select a previous tax year for comparison.
- Is my data saved or shared?
- No. All calculations happen locally in your browser. Nothing you enter is sent to a server, stored in a database, or shared with anyone. When you close the tab, your data is gone.
- What's the difference between gross and net salary?
- Gross salary is what your employer pays you before any deductions. Net (or take-home) salary is what you receive after income tax, National Insurance, and any other deductions like pension contributions. Use the Take-Home Pay calculator to see the difference.
- Do the calculators include the Scottish rate of income tax?
- Scotland sets its own income tax bands and rates. The Take-Home Pay, Salary, and Income Tax calculators include a Scotland option. Other calculators default to England, Wales, and Northern Ireland rates; check the calculator notes if you're unsure.
- What if a calculator gives a different result to my payslip?
- Common reasons for a discrepancy include: a different tax code (check yours on your payslip or a P60), benefits in kind from your employer, student loan repayments, or salary sacrifice arrangements not entered into the calculator. For exact figures, always check your payslip or speak to your employer's payroll team.
Plain-English Guides
Want to understand the numbers?
Our guides cover income tax, mortgages, pensions, ISAs, and more. No jargon.