Finance calculators
Salary, tax, mortgages, savings and debt — worked out on the 2026/27 UK rules. Enter your income once and the related calculators pick it up.
Pay & salary
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Take-Home PayUK income tax + National Insurance on your salary, broken down by band.
Gross to Net SalaryWork backwards from the take-home pay you want to the salary you need.
Income Tax CalculatorBand-by-band income tax, England and Scotland.
Pay Rise CalculatorWhat a raise is actually worth after tax, not just the gross number.
Bonus Tax CalculatorWhat a bonus is worth after tax and NI.
Overtime PayTime-and-a-half, double time, or your own multiplier.
Hourly to Salary CalculatorHourly rate to annual, monthly, weekly and daily pay.
Salary to Hourly CalculatorAnnual salary to an hourly, daily and weekly rate.
Day Rate CalculatorContractor day rate to annual turnover.
Pro Rata Salary CalculatorFull-time equivalent to actual part-time pay.
Minimum Wage CalculatorCheck your pay against the legal minimum, 2026 rates.
Holiday Entitlement CalculatorStatutory leave for part-time and irregular hours.
Redundancy PayYour statutory minimum entitlement under the 2026/27 rules.
Statutory Sick Pay£123.25/week or 80% of earnings — day-one entitlement, 2026/27.
Maternity Pay Calculator90% of earnings for 6 weeks, then the flat rate for 33 more.
Tax & allowances
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National InsuranceEmployee and self-employed Class 4 rates, 2026/27.
Self-Employed TaxIncome Tax and Class 4 NI on your sole-trader profit.
Dividend Tax2026/27 rates, including April's increase to 10.75%/35.75%.
Capital Gains Tax18%/24% rates with the £3,000 annual exempt amount.
Inheritance Tax2026/27 nil-rate band and residence nil-rate band.
Marriage Allowance CalculatorCheck eligibility and the £252 saving.
Child Benefit CalculatorYour entitlement, and any High Income Child Benefit Charge.
Gift Aid CalculatorWhat your charity actually gets, and what you can reclaim.
Student Loan Repayment2026/27 thresholds for Plans 1, 2, 4, 5 and Postgraduate.
Council Tax Calculator2026/27 rates for England, Wales & Scotland, by band and discount.
Mortgages & property
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Mortgage PaymentMonthly repayment from a known loan amount, rate and term.
Mortgage AffordabilityHow much you could likely borrow, from your income and outgoings.
Stamp Duty (SDLT)What you'd owe on a purchase in England or Northern Ireland.
Remortgage CalculatorCompare your current deal with a new rate, fees included.
Mortgage OverpaymentYears and interest saved by paying a little extra each month.
LTV CalculatorLoan-to-value and the next rate band.
Rental Yield CalculatorGross, net and cash-on-cash yield for a buy-to-let.
Rent vs BuyNet cost compared over any time horizon, with equity built in.
Savings & investing
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Compound Interest / ISAGrow a lump sum plus monthly contributions inside your ISA allowance.
Simple InterestInterest on the original amount only — no compounding.
ISA CalculatorTax-free growth projection within the £20,000 allowance.
Lifetime ISA (LISA)Your 25% government bonus, up to £1,000 a year, projected forward.
Savings Goal CalculatorHow much to save monthly to hit a target amount by a set date.
Emergency FundYour target fund size, and how long it'll take to reach it.
Rule of 72How many years until your money — or your debt — doubles.
FIRE CalculatorYour FIRE number and years to get there.
APR to AER CalculatorConvert a nominal rate to its true annual equivalent, or back again.
Inflation CalculatorWhat today's money will be worth, or what the past would cost now.
Pension CalculatorProject your pension pot using 2026/27 auto-enrolment rules.
State Pension AgeYour State Pension age and qualifying date, from your date of birth.
Debt & borrowing
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Loan & EMIMonthly repayment and total interest on any loan amount and term.
Debt PayoffAvalanche vs. snowball payoff order across up to three debts.
Credit Card Minimum PaymentWhat "just the minimum" really costs, in time and interest.
Car Finance (PCP vs HP)Compare monthly payments and total cost side by side.
Debt-to-Income RatioThe number lenders check alongside your credit score.
Budgeting & everyday
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Budget CalculatorNeeds, wants and savings, split from your take-home pay.
Net WorthEverything you own minus everything you owe, in one number.
Percentage CalculatorFind a percentage, apply an increase, or reverse one.
Discount CalculatorSale price and true stacked-discount savings.
Tip CalculatorTip amount, total, and an even split.
Currency ConverterLive ECB exchange rates, fetched fresh on every visit.
Business
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