109 free calculators
Calculators
Every calculator on this page is free. Nothing is sent away to be calculated, and you do not need an account to see a result.
Income, salary and tax
Take-home pay, Income Tax, National Insurance, pensions, student loans and other UK pay questions.
- UK take-home pay calculatorEstimate Income Tax, employee National Insurance, student loan repayments and pension contributions from a gross salary.
- Salary comparison calculatorCompare the estimated take-home pay of two gross salaries under the same tax year and pension choices.
- Salary increase and pay rise calculatorSee how much of a pay rise is left after Income Tax, National Insurance and any student loan.
- Salary sacrifice calculatorCompare take-home pay and the pension pot with and without salary sacrifice.
- Workplace pension contribution calculatorTurn employee and employer percentages into pounds and show the pay method you select.
- Pension tax relief calculatorCompare relief at source, net pay and salary sacrifice for the same percentage contribution.
- Student loan repayment calculatorEstimate Plan 1, 2, 4, 5 and postgraduate repayments from the verified pay-period thresholds.
- Bonus take-home calculatorEstimate the tax, National Insurance and student loan on a one-off bonus added to a salary.
- Dividend tax estimatorEstimate dividend tax after salary, using the dividend allowance and the UK-wide dividend rates.
- Capital Gains Tax estimatorEstimate Capital Gains Tax after the annual exempt amount, using the basic and higher rates for the selected year.
- Self-employment tax estimatorEstimate Income Tax and Class 4 National Insurance on a profit figure.
- Day rate to annual salary calculatorConvert a day rate into an annual equivalent and an estimated employed take-home figure.
- Hourly, weekly, monthly and annual pay converterConvert one pay figure into the others using the hours and weeks you choose.
- Redundancy pay and tax estimatorEstimate statutory redundancy from age, service and weekly pay, then show how much of that statutory payment is within the tax-free limit.
- Income tax calculatorSee the Personal Allowance, the band each slice of income falls into, and the Income Tax due.
- Effective tax rate calculatorShow Income Tax and employee National Insurance as a percentage of gross salary.
- Marginal tax rate calculatorEstimate the Income Tax, National Insurance and student loan taken from the next £1,000 of salary.
- Personal Allowance taper calculatorShow how the Personal Allowance falls once adjusted net income is over £100,000.
- Minimum wage earnings calculatorConvert the National Living Wage or National Minimum Wage hourly rate into weekly and annual gross pay.
Budgeting and everyday money
Monthly surplus, savings rate, emergency funds and the cost of regular spending.
- Monthly budget calculatorAdd income and the main monthly costs to see what is left.
- Household budget calculatorCombine two people's take-home pay and compare it with shared and personal costs.
- Monthly surplus or deficit calculatorSubtract spending from income for one month.
- Savings rate calculatorShow the share of income that is not spent.
- Emergency fund calculatorMultiply essential monthly costs by the number of months you want to cover.
- Cost of living calculatorAdd the regular costs of a household and turn them into a monthly and annual total.
- Expense reduction calculatorShow what a percentage cut in spending frees up over a year.
- Daily spending until payday calculatorDivide the money left by the days until you are paid.
- Bill splitting calculatorSplit a bill by equal people or by a percentage share.
- Recurring subscription cost calculatorTurn weekly, monthly and annual subscriptions into one yearly cost.
- Inflation impact on household spendingShow what today's monthly spending could cost after a chosen inflation rate.
- Required income calculatorGross up a take-home target using the salary calculator, so tax and National Insurance are included.
- Household income comparison calculatorCompare two household income mixes and the difference over a year.
- Net worth calculatorAdd what you own, subtract what you owe, and keep property and its mortgage separate.
- Cash runway calculatorSee how many months cash would last at a steady monthly shortfall.
- Financial goal affordability calculatorCheck whether a monthly amount reaches a target by a number of months, with optional growth.
Savings and investments
Compound growth, fees, ISA allowances and the time needed to reach a balance. Growth is an assumption.
- Compound interest calculatorProject a balance with monthly compounding and no new contributions.
- Regular savings calculatorAdd a monthly savings amount to a starting balance.
- Savings goal calculatorFind the monthly saving that reaches a target.
- Investment growth calculatorProject a portfolio from a starting balance, a monthly contribution and a fee.
- Monthly investment contribution calculatorFind the monthly contribution for a future balance.
- Inflation-adjusted investment return calculatorCompare a nominal projection with one that uses a real rate.
- Real versus nominal return calculatorTurn a nominal rate and an inflation assumption into a real rate.
- Investment fee impact calculatorCompare the same contributions with and without a yearly fee.
- ISA contribution planning calculatorCompare planned contributions with the £20,000 ISA allowance.
- Cash ISA versus investment growth comparisonPlace the same monthly amount under two rate assumptions.
- Lump sum versus regular investing comparisonCompare investing a sum now with spreading it over the months you choose.
- Annualised return calculatorTurn a start value and an end value into an annualised return.
- Savings interest calculatorEstimate interest added monthly from a yearly rate.
- Savings tax estimatorEstimate tax on interest after the starting rate and Personal Savings Allowance.
- Time to reach a target balanceCount the months until contributions and growth reach a target.
- Portfolio contribution growth calculatorCombine ISA, pension and general account contributions under one growth assumption.
Pensions and retirement
Contribution methods, pot growth and retirement income. Future tax rules and investment returns are assumptions.
- Pension growth calculatorProject a defined contribution pot.
- Retirement calculatorProject a pot to retirement and then a withdrawal, with an optional State Pension.
- Retirement income calculatorApply a withdrawal rate you choose to a pot and add a State Pension assumption.
- Pension contribution calculatorTurn employee and employer percentages into the amount reaching a pot.
- Employer pension contribution calculatorShow an employer percentage in pounds.
- Salary sacrifice versus relief at sourceCompare take-home pay and the pension pot for the two methods.
- Pension drawdown estimatorTake a yearly amount from a pot and show the balance after a number of years.
- Retirement age comparisonCompare the pot at two retirement ages with the same monthly contribution.
- Early retirement calculatorSee the pot if contributions stop at an earlier age and withdrawals start then.
- Financial independence calculatorEstimate a pot from yearly spending and a withdrawal rate you choose.
- Required retirement pot calculatorWork backwards from the income you want after a State Pension assumption.
- Required monthly savings for retirementFind a monthly contribution towards a pot you choose.
- Pension contribution increase calculatorShow the extra yearly amount when you raise a pension percentage.
- Inflation-adjusted retirement incomeShow what a retirement income is worth in today's money after an inflation assumption.
- Retirement savings withdrawal calculatorWithdraw a fixed yearly sum and count the years until the pot is used up.
- State Pension inclusion calculatorTurn the full new State Pension, or your own weekly forecast, into a yearly figure and a share of the income you want.
Property and mortgages
Repayments, equity and the property transaction taxes used in England, Northern Ireland, Scotland and Wales.
- Mortgage repayment calculatorCalculate a capital-and-interest mortgage payment and the interest over the term.
- Mortgage affordability calculatorApply an income multiple you choose and show the payment on that borrowing.
- Property deposit calculatorTurn a price and a deposit percentage into pounds, and show what is left to borrow.
- Loan-to-value calculatorShow borrowing as a percentage of the property value.
- Mortgage overpayment calculatorCompare the interest and term with and without a monthly overpayment.
- Mortgage overpayment versus investingCompare interest saved with an investment assumption on the same monthly amount.
- Mortgage amortisation calculatorShow how much of each year's payment is interest and how the balance falls.
- Fixed rate versus another rateCompare monthly payments at two interest rates.
- Mortgage interest cost calculatorTotal the interest on a repayment mortgage.
- Rent versus buy calculatorCompare rent with mortgage interest, maintenance and an illustrated change in equity.
- Property equity calculatorSubtract the mortgage from your share of the property.
- Home purchase budget calculatorAdd the deposit you have to the borrowing you are willing to test.
- Stamp Duty Land Tax calculatorEstimate residential Stamp Duty for England and Northern Ireland, including first-time buyer relief and the additional-property surcharge.
- Land and Buildings Transaction Tax calculatorEstimate residential LBTT in Scotland, including the Additional Dwelling Supplement where you select it.
- Land Transaction Tax calculatorEstimate residential Land Transaction Tax in Wales, including the higher residential rates.
- Buy-to-let yield calculatorShow gross yield from annual rent and the purchase price.
- Buy-to-let cashflow calculatorSubtract mortgage, costs and an allowance for empty periods from rent.
- Rental income tax estimatorEstimate Income Tax on individual residential rental profit, with a 20% credit for finance costs.
- Property price growth calculatorApply a yearly growth assumption to a property value.
- Mortgage term comparisonCompare the payment and total interest of two mortgage terms.
Debt and borrowing
Repayment schedules, interest cost and payoff comparisons. These are illustrations, not lending decisions.
- Personal loan repayment calculatorCalculate the monthly payment and interest on a personal loan.
- Credit card repayment calculatorPay a fixed amount each month and see the interest and the time to clear the card.
- Debt payoff calculatorClear one debt with a monthly payment above the interest.
- Debt snowball versus avalancheCompare paying the smallest balance first with paying the highest rate first.
- Interest cost calculatorShow a year of interest on a balance if you do not repay principal.
- Debt-to-income ratio calculatorCompare monthly debt payments with gross monthly income.
- Loan affordability calculatorTest a loan payment against the monthly surplus you have.
- Early repayment calculatorSee the interest avoided by paying off a loan now.
- Overpayment savings calculatorShow the interest saved by a regular overpayment on one debt.
- Debt consolidation comparisonCompare the interest on current debts with one replacement loan. This is illustrative and not a recommendation to consolidate.
- Interest rate change impactShow how a new rate changes the monthly interest on a balance that does not fall.
Major life decisions
A pay rise, a career break, a house or earlier retirement, shown as a change from a starting point.
- Can I afford to buy a house?Compare a mortgage payment and buying costs with your monthly surplus.
- Early retirement affordabilityCheck a pot against spending for the years before a State Pension age you choose.
- Monthly savings requirementDivide a target by the months you have, with no growth.
- Salary increase impactShow the extra monthly take-home pay and what it does to a savings rate.
- Expense increase impactShow a higher monthly cost over a year and what it does to surplus.
- Career break impactShow the take-home pay you would not receive and the cash used during the break.
- Reduced working hours calculatorScale a salary by the hours you would work and estimate the new take-home pay.
- Bonus impact calculatorShow a bonus after estimated tax and what it adds to a savings goal.
- Increased investment contributionCompare two monthly contribution assumptions over the years you choose.
- Spending affordability calculatorTest one purchase or monthly cost against this month's surplus.
- Financial independence targetSet a pot target from spending and see the gap from what you have.