Free UK Financial Tools
Simple, accurate calculators and guides built for UK users.
Free UK financial calculators and plain-English guides covering income tax, mortgages, ISAs, pensions, stamp duty, capital gains, and more, updated for the 2026/27 tax year.
See your take-home pay after income tax, NI, pension and student loan deductions.
Income Tax Calculator →Calculate your Class 1 NI contributions as an employee or employer.
National Insurance Calculator →Convert between annual, monthly, weekly, and hourly pay after tax.
Salary Calculator →Estimate income tax and Class 2/4 NI for sole traders and freelancers.
Self-Employed Tax Calculator →Calculate CGT on property, shares, and other assets.
Capital Gains Tax Calculator →Work out tax owed on dividends, including the optimal salary/dividend split.
Dividend Tax Calculator →Calculate monthly repayments, total interest, and full amortisation schedule for any UK mortgage.
Mortgage Calculator →Calculate stamp duty (SDLT) for England & NI, including first-time buyer relief.
Stamp Duty Calculator →Estimate how much you could borrow based on your income and deposit, across conservative, typical, and maximum lending multiples.
Mortgage Affordability →See how much interest and time you save by making regular overpayments on your mortgage.
Mortgage Overpayment →Compare the 10-year cost of renting versus buying a property.
Rent vs Buy Calculator →Calculate repayments on the government Help to Buy equity loan.
Help to Buy Calculator →Track your ISA allowance and project growth across Cash, Stocks & Shares, and Lifetime ISAs.
ISA Calculator →See the impact of the 25% government bonus on your first home or retirement savings.
Lifetime ISA Calculator →Calculate the government bonus on your Help to Buy ISA savings.
Help to Buy ISA Calculator →Project how your savings grow with compound interest over time.
Compound Interest Calculator →Calculate total returns including dividends and capital growth.
Investment Return Calculator →Work out how long it will take to reach a savings target.
Savings Goal Calculator →See what a sum of money is worth in today's terms after inflation.
Inflation Calculator →Project your pension pot size and monthly retirement income.
Pension Calculator →See how pension salary sacrifice reduces your tax and NI bill.
Salary Sacrifice Calculator →Estimate your State Pension based on your National Insurance record.
State Pension Calculator →Calculate your Child Benefit entitlement and the High Income Tax Charge.
Child Benefit Calculator →Find out what your tax code means and whether you are paying the right amount of tax.
Tax Code Calculator →Calculate Statutory Maternity Pay (SMP), Paternity Pay (SPP), and Shared Parental Pay.
Maternity Pay Calculator →Calculate monthly repayments for Plan 1, 2, and 5 student loans.
Student Loan Calculator →Estimate IHT liability on an estate and explore allowances.
Inheritance Tax Calculator →Work out your statutory redundancy entitlement based on age and service.
Redundancy Pay Calculator →Create a plan to clear debts using avalanche or snowball methods.
Debt Payoff Planner →Track income and expenses to build a monthly budget.
Budget Planner →Add up your assets and liabilities to calculate your net worth.
Net Worth Calculator →UK Money Tools
Most people have a rough sense of their income and their biggest expenses, but very few have a clear picture of where they actually stand. A mortgage calculation done in your head is rarely accurate. A retirement projection without compound interest modelled in is almost certainly too optimistic. And a budget that fails to account for annual expenses (not just monthly ones) will always feel like it is leaking.
The tools on UK Money Tools exist to close that gap. They're designed to be fast to use, honest in their outputs, and clear enough that you don't need a financial background to understand the results.
Most payslips are harder to read than they should be. Income tax, National Insurance, student loan deductions, and pension contributions all interact in ways that aren't obvious from the headline salary figure. Whether you're comparing two job offers, considering a salary sacrifice arrangement, or simply checking your payslip adds up, knowing your real take-home is the starting point for any financial plan.
For most UK households, a mortgage is the largest financial commitment they will ever make. Monthly repayment figures are easy to focus on, but the total interest paid over a full term (often two to three times the original loan) is the number that really matters. Stamp duty adds another layer that catches many first-time buyers off guard, particularly as thresholds shift.
Our Mortgage Calculator shows not just the monthly payment but the full cost of borrowing. Combined with the Stamp Duty Calculator, you can see the complete upfront cost before you make any commitments.
Money invested early and left to grow has a fundamentally different trajectory than money invested later, even if the total amount contributed is the same. The difference only becomes clear when you see it modelled over time. Our Compound Interest Calculator makes that comparison concrete: try a £10,000 lump sum invested today versus the same amount in five years. The gap at 30 years is usually striking enough to change behaviour.
The ISA Calculator helps you make the most of your £20,000 annual allowance and keep those returns sheltered from tax, the most straightforward way to protect investment growth in the UK.
Most people underestimate how much they need in retirement, and overestimate what their pension will actually be worth. The gap only becomes clear when you model contributions, employer matching, and growth together over decades. Starting earlier matters more than contributing more later. The Pension Calculator makes that trade-off concrete.
If your employer offers salary sacrifice, the Salary Sacrifice Calculator shows how redirecting gross pay into your pension reduces your income tax and National Insurance bill at the same time, making it one of the most tax-efficient ways to save available to UK employees.