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.
37
Free calculators
2026/27
Current tax year rates
100%
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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.
Open calculator → PopularTake Home Pay Calculator
Calculate your net salary after income tax, NI, pension and student loan, by year, month, week or day.
Open calculator →National Insurance Calculator
Calculate your Class 1 NI contributions as an employee or employer.
Open calculator →Salary Calculator
Convert between annual, monthly, weekly, and hourly pay after tax.
Open calculator → PopularSalary Comparison Calculator
Compare two salaries side-by-side: income tax, NI, pension, and take-home pay.
Open calculator →Self-Employed Tax Calculator
Estimate income tax and Class 2/4 NI for sole traders and freelancers.
Open calculator →Capital Gains Tax Calculator
Calculate CGT on property, shares, and other assets.
Open calculator →Dividend Tax Calculator
Work out tax owed on dividends, including the optimal salary/dividend split.
Open calculator →Tax Code Calculator
Find out what your tax code means and whether you are paying the right amount of tax.
Open 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.
Open calculator →Mortgage & Property
Mortgage Calculator
Calculate monthly repayments, total interest, and full amortisation schedule for any UK mortgage.
Open calculator →Stamp Duty Calculator
Calculate stamp duty (SDLT) for England & NI, including first-time buyer relief.
Open calculator →Mortgage Affordability
Estimate how much you could borrow based on your income and deposit, across conservative, typical, and maximum lending multiples.
Open calculator →Mortgage Overpayment
See how much interest and time you save by making regular overpayments on your mortgage.
Open calculator →Rent vs Buy Calculator
Compare the 10-year cost of renting versus buying a property.
Open calculator →Help to Buy Calculator
Calculate repayments on the government Help to Buy equity loan.
Open calculator →Savings & Investing
ISA Calculator
Track your ISA allowance and project growth across Cash, Stocks & Shares, and Lifetime ISAs.
Open calculator →Lifetime ISA Calculator
See the impact of the 25% government bonus on your first home or retirement savings.
Open calculator →Help to Buy ISA Calculator
Calculate the government bonus on your Help to Buy ISA savings.
Open calculator → PopularCompound Interest Calculator
Project how your savings grow with compound interest over time.
Open calculator →Investment Return Calculator
Calculate total returns including dividends and capital growth.
Open calculator →Savings Goal Calculator
Work out how long it will take to reach a savings target.
Open calculator →Inflation Calculator
See what a sum of money is worth in today's terms after inflation.
Open calculator →Retirement
Pension Calculator
Project your pension pot size and monthly retirement income.
Open calculator →Coast FIRE Calculator
Find how much you need invested today to coast to financial independence.
Open calculator →Salary Sacrifice Calculator
See how pension salary sacrifice reduces your tax and NI bill.
Open calculator →State Pension Calculator
Estimate your State Pension based on your National Insurance record.
Open calculator →Child Benefit Calculator
Calculate your Child Benefit entitlement and the High Income Tax Charge.
Open calculator →Pension IHT Calculator
Calculate IHT on your pension pot under the April 2027 rule change.
Open calculator →Other
Maternity Pay Calculator
Calculate Statutory Maternity Pay (SMP), Paternity Pay (SPP), and Shared Parental Pay.
Open calculator →Student Loan Calculator
Calculate monthly repayments for Plan 1, 2, and 5 student loans.
Open calculator →Inheritance Tax Calculator
Estimate IHT liability on an estate and explore allowances.
Open calculator →Redundancy Pay Calculator
Work out your statutory redundancy entitlement based on age and service.
Open calculator →Debt Payoff Planner
Create a plan to clear debts using avalanche or snowball methods.
Open calculator →Budget Planner
Track income and expenses to build a monthly budget.
Open calculator →Net Worth Calculator
Add up your assets and liabilities to calculate your net worth.
Open calculator →Annual Leave Calculator
Find out the monetary value of your holiday entitlement and daily rate.
Open calculator →What these calculators cover
Tax & income
Take-home pay, income tax, NI, and salary tools covering all UK nations including Scottish rates.
Mortgages & property
Monthly repayments, affordability, stamp duty, and overpayment tools for UK homebuyers.
ISA & savings
ISA allowance tracker, Lifetime ISA bonus, compound interest, and savings goal tools.
Pensions & retirement
Pension pot projections, salary sacrifice savings, state pension estimates, and FIRE planning.
Other tools
Inheritance tax, student loan repayments, redundancy pay, maternity pay, and more.
Always up to date
Rates sourced from HMRC and updated after every Budget and mid-year HMRC announcement.