30 FREE TOOLS

UK financial calculators

Pay and student loans

Take-home pay

Income Tax, National Insurance, pensions and student loans. England, 2026/27.

Student loans

Estimate annual student and postgraduate loan repayments for 2026/27, with monthly and weekly equivalents.

Part-time pay

Convert a full-time salary to part-time pay and recalculate Income Tax, NI and student loans for 2026/27.

Second-job tax

Estimate the extra annual take-home pay from a second job, combining Income Tax but keeping separate employer NI and loan thresholds.

Overtime pay

Estimate the extra tax, NI and take-home pay from regular overtime at the same employer.

Bonus take-home

Estimate how much of a gross bonus remains after annual Income Tax, NI and student-loan deductions.

Student loan overpayments

Compare total repayments and the balance written off with or without voluntary student-loan overpayments.

Pensions

Salary sacrifice

Compare take-home pay before and after a pension salary sacrifice, including tax, NI and loan deductions.

Pension tax relief

Calculate provider tax relief, payroll savings and potential additional HMRC relief on pension contributions in England.

Bonus vs pension

Compare a cash bonus with pension salary sacrifice, including tax, NI, student loans and the cash you give up.

£100k allowance taper

Calculate the extra pension salary sacrifice needed to reach an income target and restore your Personal Allowance.

Pension contribution budget

Find an additional gross pension contribution that fits a chosen net annual budget under the selected pension method.

Mortgages

Mortgage affordability

Estimate a UK mortgage and property budget from income, deposit and monthly spending. Compare repayments at your chosen rate and a higher rate.

Mortgage overpayments

Compare mortgage payoff dates and interest with a lump sum and regular monthly overpayments.

Savings and investing

Savings interest tax

Estimate tax on savings interest, including the starting rate, Personal Savings Allowance and any lost Personal Allowance.

ISA allowance

Check remaining 2026/27 adult ISA subscription room and whether a planned payment would exceed it.

FIRE projection

Estimate a portfolio target and time to reach it under explicit spending, withdrawal, return and inflation assumptions.

Pension, ISA or mortgage

Compare a one-off cash amount put into an ISA, pension or mortgage overpayment under explicit return and tax assumptions.

Property tax

Stamp duty comparison

Compare SDLT in England and Northern Ireland, LBTT in Scotland and LTT in Wales for a residential purchase.

Employment

Redundancy pay

Calculate Great Britain statutory redundancy pay using complete service years in each age band and the 2026 weekly cap.

Notice period

Estimate statutory redundancy notice and compare it with a contractual notice period in Great Britain.

Holiday entitlement

Calculate statutory annual leave for regular working days and equal-length shifts, including bank holidays.

Contractor day rate

Work out the billable day rate needed to cover a gross pay target, costs, pension budget and contingency.

Cars and travel

Mileage allowance

Estimate approved mileage payments and Income Tax relief on unreimbursed business miles in your own vehicle.

EV salary sacrifice

Estimate the take-home cost of a zero-emission salary-sacrifice car, including 2026/27 benefit-in-kind tax.

EV charging costs

Compare annual electric-car charging costs across home and public charging, including charging losses and a second home tariff.

Energy

Solar payback

Estimate simple solar payback from an installation quote, annual generation, self-consumption and export rates.

Family and inheritance

Child Benefit charge

Estimate the 2026/27 High Income Child Benefit Charge using both partners’ adjusted net incomes and Child Benefit for the tax year.

Inheritance Tax

Estimate tax on a simple estate under 2026/27 nil-rate and residence bands, including transfers and residence-band taper.

Business

VAT

Add or remove VAT from an amount and show the net, tax and gross figures.

Income Tax calculations cover England for 2026/27. Property taxes cover England, Northern Ireland, Scotland and Wales. Each tool states its scope and assumptions. Calculation methods.