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Free UK Finance Calculators
UK-specific financial calculators organised by category. From tax and mortgages to savings and debt management.
Tax & Income
Take-home pay, bonus tax, self-employment, capital gains, and more
UK Tax Calculator
Calculate your take-home pay with UK tax & NI deductions!
Pro Rata Salary Calculator
Convert FTE salary to actual part-time pay — for job shares, term-time, and reduced hours
Where Does My Tax Go?
See exactly where your tax money goes across UK government services!
Bonus Tax Calculator
Calculate how much of your bonus you'll actually take home after tax.
Tax Trap Optimizer
Escape the 60% tax trap between £100k-£125k with pension optimization!
Self-Employed Tax Calculator
Calculate income tax, Class 2 & 4 National Insurance, and take-home pay as a sole trader!
Student Loan Repayment Calculator
Project your student loan repayments and write-off date for Plans 1, 2, 4 and 5!
Capital Gains Tax Calculator
Calculate CGT on property, shares, crypto and business assets with 2025-26 October Budget rates!
Child Benefit Calculator
Calculate your Child Benefit entitlement and High Income Child Benefit Charge (HICBC)!
Contractor Tax Calculator
Compare Ltd company vs PAYE vs IR35 take-home pay as a UK contractor!
Cycle to Work Calculator
Estimate tax and NI savings from the Cycle to Work salary sacrifice scheme and your true bike cost!
Inheritance Tax Calculator
Calculate Inheritance Tax on a UK estate with nil-rate band, residence nil-rate band, and charitable relief!
Property & Mortgages
Mortgage costs, affordability, rental yields, and stamp duty
Mortgage Calculator
Work out your estimated repayments!
Mortgage Affordability Calculator
Work out what you can potentially borrow for your mortgage!
Joint Mortgage Calculator
Calculate borrowing power for couples with different incomes and employment types!
Rent vs Buy Calculator
Compare renting vs buying a property over time!
Rent Affordability Calculator
Calculate how much rent you can afford based on your income!
Rental Yield Calculator
Calculate gross and net rental yield for property investment!
Stamp Duty Calculator
Calculate SDLT for first-time buyers, home movers, and additional property purchases with April 2025 thresholds!
Savings & Investments
Compound growth projections and retirement planning
Compound Interest Calculator
See the power of compound interest over time!
Investment Platform Fee Comparison
Compare annual ISA and SIPP fees across Trading 212, Vanguard, HL, AJ Bell and more!
Pension Calculator
Project your retirement pot, tax-free lump sum, and income against PLSA benchmarks!
Debt Management
Payoff timelines, snowball vs avalanche, and car finance comparisons
Debt Calculator
How long will it take to pay your debt off?
Debt Snowball vs Avalanche Calculator
Compare debt snowball and avalanche methods to find the fastest way to pay off multiple debts!
Car Finance Comparison Calculator
Compare HP, PCP, leasing and buying outright — total cost, monthly payments and true cost of ownership side by side!
Energy & Bills
Bulb savings and energy cost calculations
Energy Price Cap Calculator
Estimate your annual and monthly bill at the confirmed cap, and what the predicted January 2027 rise could add.
Bulb Calculator
Work out how much you could save by changing bulbs!
Energy Cost Calculator
Calculate the daily, monthly, and yearly costs of your electrical devices!