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Free UK Finance Calculators for Tax, Mortgage, Salary, and More
Check what you will actually pay, keep, or save with calculators built for UK rules in 2026/27. From take-home pay and bonus tax to mortgage affordability, retirement planning, and investment fees, get clear answers without creating an account.
Why Money Meister?
Built for UK tax law, not adapted from it
Every calculator uses the current 2026/27 rates — the 60% tax trap threshold at £100k, the new stamp duty bands from April 2026, personal allowance taper, and Class 4 NI rates for the self-employed. No generic “enter your tax rate” fields.
Free, no account required
No paywall after the first calculation, no email required to see results, and every calculator stays fully functional from the first visit. Pro adds optional planning workflows for people who want to save and track progress over time.
Results you can act on, not just read
The retirement calculator shows your projected pot, income, and year-by-year drawdown — not just a final number. The tax calculator breaks down where every pound of your income goes. The debt calculator shows the exact date you'll clear your balance.
25+ tools covering every major financial decision
From first-time buyer stamp duty and investment platform fees to contractor IR35 comparison and rental yield analysis — all the tools you need for UK personal finance in one place.
Start with a decision hub
Pick your goal and follow a structured path from calculator to guide to next action. For planning around deadlines, use the UK financial events calendar.
Tax & Salary Hub
Take-home pay, bonus impact, tax codes, and NI decisions.
Property & Mortgages Hub
Affordability, SDLT, monthly payments, and rent vs buy trade-offs.
Budgeting & Debt Hub
Debt payoff plans, emergency funds, and long-term savings.
Saving & Investing Hub
ISA comparisons, platform fees, pensions, and compound growth.
New Planning Tool
UK Financial Events Calendar
Track key UK money dates in one place: Self Assessment deadlines, tax-year milestones, Bank of England rate announcements, and Budget windows. Export the calendar to your phone or laptop with one click.
Popular Calculators
Free tools built for UK tax year 2026/27 — instant results, no account needed.
UK Tax Calculator
Calculate your take-home pay with UK tax & NI deductions
Investment Platform Fee Comparison
Compare annual ISA and SIPP fees across Trading 212, Vanguard, HL, AJ Bell and more
Mortgage Affordability Calculator
Work out what you can potentially borrow for your mortgage
Pension Calculator
Project your retirement pot, tax-free lump sum, and income against PLSA benchmarks
Bonus Tax Calculator
Calculate how much of your bonus you'll actually take home after tax.
Rent vs Buy Calculator
Compare renting vs buying a property over time
Featured Guides
First-Time Home Buyer Guide
Complete guide to buying your first home in the UK - deposits, mortgages, and costs
What is a Good Credit Score UK?
UK credit score bands explained - Experian, Equifax, TransUnion ranges and what lenders actually look for
Bonus Tax Explained
Calculate your bonus take-home after tax & NI. Understand the 60% tax trap and pension strategies
Latest Insights
How Much Rent Can I Afford on My Salary? UK Guide
Decision-first guide to UK rent affordability rules, salary multipliers, and practical budgeting checks.
How Much Rent Can I Charge? Landlord Guide UK 2026
Landlord pricing: local comps, gross vs net yield, LHA caps and the under-bracket trick — with £180k–£500k yield tables. For the 185-imps landlord cluster.
UK Tax Deadlines 2026/27: The Full List
Every HMRC and money deadline for the 2026/27 UK tax year in date order: Self Assessment filing and payment, payments on account, Making Tax Digital updates, P60s and more.
Frequently Asked Questions
How much can I borrow for a mortgage in the UK?
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Most UK lenders multiply your annual income by 4 to 4.5 times. A £40,000 salary typically means £160,000-£180,000 borrowing. For joint applications, both incomes are combined before the multiplier. Use our free mortgage affordability calculator for a personalised estimate based on your income, deposit, and monthly commitments.
What is a good credit score in the UK?
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On Experian (0-999): 881-960 is Good, 961+ is Excellent. On Equifax (0-700): 420-465 is Good, 466+ is Excellent. On TransUnion (0-710): 604-627 is Good, 628+ is Excellent. For mortgage applications, most UK lenders want 700+ on the Experian scale. Check our complete credit score guide for all three agency bands.
Are the calculators based on current UK rules?
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Yes. All Money Meister tools use the current 2026/27 tax bands, National Insurance thresholds, and mortgage lending criteria. We update rates as soon as HMRC and the government announce changes — no outdated assumptions.
How much tax will I pay on my bonus?
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Your bonus is taxed at your marginal rate (20%, 40% or 45% income tax) plus National Insurance (8% or 2%) and potentially 9% student loan. A £5,000 bonus at higher-rate tax yields roughly £2,450 take-home. The 60% tax trap between £100,000-£125,140 can push your effective rate even higher. Use our bonus tax calculator to see your exact take-home.
Which investment platform is cheapest for my portfolio size?
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It depends on your portfolio size and what you invest in. For small portfolios under £10K, Trading 212 and InvestEngine charge £0 platform fees. For £50K+ with mostly funds, Vanguard (0.15%) beats percentage-based rivals. For large portfolios, Interactive Investor's flat fee (£5.99/mo) wins. Use our investment platform fee comparison tool to enter your exact portfolio split and see your cheapest option ranked in real time.
How much do I need to retire in the UK?
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The PLSA defines three retirement living standards for 2026: Minimum (£14,600/year single), Moderate (£31,800/year), and Comfortable (£43,800/year). After the full State Pension (£11,962/year), you'd need roughly £796,000 in your pension pot for a comfortable retirement using the 4% rule. Use our retirement calculator to see your personal projection based on your age, current pot, and monthly contributions.