Free UK Finance Calculators 2026/27

Work out what gross salary you need to earn a specific net take-home pay after tax and NI.

Calculate overtime pay at 1x, 1.25x, 1.5x or double time and see your annual boost.

Convert part-time hours to weekly, monthly and annual pay with full-time equivalent.

Calculate the impact of a pay rise on your take-home pay, tax band and monthly difference.

Upload or enter your payslip details and get a clear breakdown of every deduction line by line.

Break down your monthly payslip with tax, NI, pension and student loan deductions.

Calculate your statutory redundancy pay, notice pay and tax-free allowance for 2026/27.

Calculate your take-home pay after income tax, National Insurance and student loan deductions.

Calculate UK Statutory Sick Pay at £123.25/week with waiting days and 28-week maximum.

Calculate your annual, monthly, weekly and daily take-home pay after all deductions for 2026/27.

Calculate your combined take-home pay from two UK jobs with income tax, NI and pension deductions.

Compare two UK salary offers side by side with full tax, NI, pension and take-home pay breakdowns.

Estimate your UK capital gains tax on shares, property and other assets using current HMRC rates.

Compare taking a salary vs dividends from your ltd company. Side-by-side tax comparison for directors.

3-way contractor comparison. See which working arrangement keeps the most of your day rate.

Calculate how much you save with salary sacrifice pension contributions in 2026/27.

Compare salary sacrifice lease vs PCP vs cash purchase. Especially powerful for EVs.

Compare self-employed and limited company tax side by side. Find your crossover point.

Work out your SDLT bill for England and Northern Ireland with April 2025 rates and first-time buyer relief.

Calculate mortgage repayments, stamp duty savings and deposit needed as a first-time buyer.

Compare fixed and variable rate mortgages side by side. See which costs less over the full term.

Compare interest-only vs repayment mortgage costs.

Estimate your monthly mortgage repayments based on property price, deposit and interest rate.

See how overpaying your mortgage saves interest and time.

Compare your current mortgage deal with a new rate and see how much you could save by switching.

Calculate how long to clear your debt and total interest paid at your monthly payment.

Calculate monthly repayments, total interest and view a year-by-year amortisation schedule.

Project your pension pot at retirement and estimate annual income using the 4% safe withdrawal rule.

Find out if your savings and pension are on track to fund the retirement lifestyle you want.

Estimate your monthly student loan repayments and see how long it will take to pay off your balance.

Compare Plan 1 and Plan 2 repayments, interest rates and write-off timelines side by side.

Track income vs expenses across categories and see your financial health at a glance.

See how your savings grow over time with compound interest, monthly contributions and the Rule of 72.

See how inflation affects purchasing power over time and adjust amounts for past and future values.

Estimate how much life insurance cover you need based on your income, debts and dependants.

Add up your assets and liabilities to calculate your total net worth and track progress over time.

Quickly calculate the tip and split the bill between friends at restaurants, bars and cafes.