UK Financial Calculators
Free UK financial calculators covering income tax, mortgages, ISAs, pensions and more. All calculators use confirmed 2026/27 rates and are updated after every Budget.
30+
Free calculators
2026/27
Current tax year rates
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Want to understand the concepts behind the numbers?
Our plain-English guides cover income tax, mortgages, pensions, ISAs, and more.
Tax & Income
Income Tax Calculator
See your take-home pay after income tax, NI, pension and student loan deductions.
Income Tax Calculator → PopularTake Home Pay Calculator
Calculate your net salary after income tax, NI, pension and student loan, by year, month, week or day.
Take Home Pay Calculator →National Insurance Calculator
Calculate your Class 1 NI contributions as an employee or employer.
National Insurance Calculator →Salary Calculator
Convert between annual, monthly, weekly, and hourly pay after tax.
Salary Calculator → PopularSalary Comparison Calculator
Compare two salaries side-by-side: income tax, NI, pension, and take-home pay.
Salary Comparison Calculator →Self-Employed Tax Calculator
Estimate income tax and Class 2/4 NI for sole traders and freelancers.
Self-Employed Tax Calculator →Capital Gains Tax Calculator
Calculate CGT on property, shares, and other assets.
Capital Gains Tax Calculator →Dividend Tax Calculator
Work out tax owed on dividends, including the optimal salary/dividend split.
Dividend Tax Calculator →Tax Code Calculator
Find out what your tax code means and whether you are paying the right amount of tax.
Tax Code Calculator →Minimum Wage Calculator
Check if you are being paid at least the National Minimum Wage or Living Wage, and see your annual equivalent pay.
Minimum Wage Calculator →Mortgage & Property
Mortgage Calculator
Calculate monthly repayments, total interest, and full amortisation schedule for any UK mortgage.
Mortgage Calculator →Stamp Duty Calculator
Calculate stamp duty (SDLT) for England & NI, including first-time buyer relief.
Stamp Duty Calculator →Mortgage Affordability
Estimate how much you could borrow based on your income and deposit, across conservative, typical, and maximum lending multiples.
Mortgage Affordability →Mortgage Overpayment
See how much interest and time you save by making regular overpayments on your mortgage.
Mortgage Overpayment →Rent vs Buy Calculator
Compare the 10-year cost of renting versus buying a property.
Rent vs Buy Calculator →Help to Buy Calculator
Calculate repayments on the government Help to Buy equity loan.
Help to Buy Calculator →Savings & Investing
ISA Calculator
Track your ISA allowance and project growth across Cash, Stocks & Shares, and Lifetime ISAs.
ISA Calculator →Lifetime ISA Calculator
See the impact of the 25% government bonus on your first home or retirement savings.
Lifetime ISA Calculator →Help to Buy ISA Calculator
Calculate the government bonus on your Help to Buy ISA savings.
Help to Buy ISA Calculator → PopularCompound Interest Calculator
Project how your savings grow with compound interest over time.
Compound Interest Calculator →Investment Return Calculator
Calculate total returns including dividends and capital growth.
Investment Return Calculator →Savings Goal Calculator
Work out how long it will take to reach a savings target.
Savings Goal Calculator →Inflation Calculator
See what a sum of money is worth in today's terms after inflation.
Inflation Calculator →Retirement
Pension Calculator
Project your pension pot size and monthly retirement income.
Pension Calculator →Coast FIRE Calculator
Find how much you need invested today to coast to financial independence.
Coast FIRE Calculator →Salary Sacrifice Calculator
See how pension salary sacrifice reduces your tax and NI bill.
Salary Sacrifice Calculator →State Pension Calculator
Estimate your State Pension based on your National Insurance record.
State Pension Calculator →Child Benefit Calculator
Calculate your Child Benefit entitlement and the High Income Tax Charge.
Child Benefit Calculator →Pension IHT Calculator
Calculate IHT on your pension pot under the April 2027 rule change.
Pension IHT Calculator →Other
Maternity Pay Calculator
Calculate Statutory Maternity Pay (SMP), Paternity Pay (SPP), and Shared Parental Pay.
Maternity Pay Calculator →Student Loan Calculator
Calculate monthly repayments for Plan 1, 2, and 5 student loans.
Student Loan Calculator →Inheritance Tax Calculator
Estimate IHT liability on an estate and explore allowances.
Inheritance Tax Calculator →Redundancy Pay Calculator
Work out your statutory redundancy entitlement based on age and service.
Redundancy Pay Calculator →Debt Payoff Planner
Create a plan to clear debts using avalanche or snowball methods.
Debt Payoff Planner →Budget Planner
Track income and expenses to build a monthly budget.
Budget Planner →Net Worth Calculator
Add up your assets and liabilities to calculate your net worth.
Net Worth Calculator →Annual Leave Calculator
Find out the monetary value of your holiday entitlement and daily rate.
Annual Leave Calculator →About these calculators
Every calculator on this site is built specifically for UK users and updated to reflect the current tax year. We cover the taxes and financial decisions that matter most to people living and working in the UK, from the income tax you pay each month to the stamp duty due when you buy a home.
Tax calculators
Calculate your take-home pay after income tax, National Insurance, pension contributions and student loan repayments. Covers all UK nations including Scottish income tax rates, with support for multiple tax years from 2023/24 to 2026/27.
Mortgage calculators
Work out monthly repayments, total interest, and how overpayments shorten your term. The affordability calculator uses realistic income multiples and stress-test assumptions to show how much you're likely to be able to borrow.
Pension & savings calculators
Project your retirement pot with contribution modelling and investment growth assumptions. The salary sacrifice calculator shows exactly how much tax and NI you save by paying pension contributions before tax rather than after.
Property calculators
Stamp Duty Land Tax calculated for first-time buyers, home movers, and second-property purchasers, using the 2026/27 thresholds. Includes first-time buyer relief and the 5% additional-dwelling surcharge.
ISA & investment calculators
Track your £20,000 ISA allowance across multiple accounts, model your Lifetime ISA deposit pot with the 25% government bonus included, and project long-term investment returns with compound interest modelling.
How we keep them accurate
Rates and thresholds are sourced directly from HMRC, the DWP, and official Budget documents. We update after every Autumn Statement, Spring Budget, and any mid-year HMRC announcement that changes the underlying figures.