Free UK finance calculators that show their work
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Built for UK savers, earners and home buyers, with US tools too. Every calculator shows the exact formula with your numbers plugged in.
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UK · 2026/27 tax year
Popular UK calculators
In pounds, with tax figures from GOV.UK and every step of the sum shown.
Stocks and Shares ISA
Regular saving split into contributions and growth, with a check against the £20,000 2026/27 ISA allowance.
Open calculator →Pension Tax Relief (UK)
Relief at source: what your provider adds, the extra higher-rate relief you claim, and your real cost.
Open calculator →Dividend Calculator (UK)
Dividend tax for 2026/27 after the £500 allowance — and what holding the same portfolio in an ISA saves over the years.
Open calculator →UK Take-Home Pay Calculator
Salary after Income Tax, National Insurance, pension, student loan and bonus, for England, Wales, NI and Scotland in 2026/27, with your tax code.
Open calculator →UK Mortgage Calculator
Monthly payments in pounds: repayment vs interest-only, total interest, loan to value and the effect of overpaying.
Open calculator →Stamp Duty Calculator (SDLT, LBTT & LTT)
Stamp duty band by band for England, NI, Scotland and Wales: first-time buyer relief, second homes and the non-UK resident surcharge.
Open calculator →Lifetime ISA Calculator
The 25% government bonus up to £1,000 a year, the £450,000 first-home cap, and what the 25% withdrawal charge takes.
Open calculator →Junior ISA Calculator
A child's ISA projected to 18 with your monthly saving, growth and fees, within the £9,000 limit for 2026/27.
Open calculator →UK Capital Gains Tax Calculator
CGT on selling shares or funds: the £3,000 allowance, the 18% and 24% rates, losses, and why gains inside an ISA are tax-free.
Open calculator →UK Savings Interest Tax Calculator
Tax on savings interest after the Personal Savings Allowance (£1,000, £500 or £0) and the £5,000 starting rate for savings.
Open calculator →UK Inflation Rate
The latest ONS CPI rate (3.5% in September 2026), what pushed it, and what inflation does to the real value of your savings.
Open page →Fund Fee Calculator (UK)
Two fund fees side by side in pounds — what a small OCF difference adds up to over decades.
Open calculator →Hourly to Salary Calculator
An hourly rate as an annual salary (or the reverse), with take-home pay after 2026/27 Income Tax, NI, pension and student loan.
Open calculator →Pro-Rata Salary Calculator
Part-time pay from the full-time salary and your hours or days, take-home pay for 2026/27 and your statutory holiday.
Open calculator →Two Jobs Tax Calculator
Tax on a second job: 1257L on the main job, BR on the second, NI on each, and whether you'll owe or get tax back.
Open calculator →£100k Tax Trap Calculator
The 60% rate between £100,000 and £125,140, step by step, and how a pension contribution restores your Personal Allowance.
Open calculator →Extra £200 a Month Planner
An extra £200 a month as a mortgage overpayment, in a Stocks and Shares ISA or in a pension, side by side with your own assumptions.
Open calculator →UK Budget Planner
Your monthly take-home pay minus rent or mortgage, bills and other spending: see what's left, then carry it into the ISA, mortgage or side-by-side calculators.
Open calculator →Investing & saving
All investing calculatorsCompound Interest
Project investment growth from contributions and time, with a contributions-vs-growth chart.
Open calculator →Dividend Calculator
Dividend income, DRIP reinvestment growth, and rising yield on cost over time — with dividend growth and contributions.
Open calculator →DRIP Calculator
The share count, not just the value — $25,000 reinvested turns 500 shares into 1,319 in 20 years.
Open calculator →Yield on Cost Calculator
Your real dividend yield on what you paid — and how dividend growth lifts it into double digits over time.
Open calculator →401(k) Retirement
Projected balance at retirement with employer match, salary growth and compounding — and how much is free match money.
Open calculator →Savings Goal Calculator
Time to reach a goal at your monthly amount — or the monthly amount needed to hit it by a date.
Open calculator →Coast FIRE Calculator
Find the age your invested money can coast to retirement on its own — the point you can stop saving.
Open calculator →Coast FIRE for Couples
One household number for two people — with your age gap and different retirement dates handled properly.
Open calculator →Barista FIRE Calculator
How part-time income shrinks your FIRE number and the age you can leave full-time work — vs full FIRE.
Open calculator →Fat FIRE Calculator
The portfolio to retire on $100k+ a year — with your Lean, Regular and Fat FIRE numbers at any withdrawal rate.
Open calculator →Mortgages & property
All mortgage calculatorsMortgage Calculator
Monthly payment with tax, insurance & PMI, total interest, payoff date, and a 15-vs-30-year comparison.
Open calculator →Mortgage Recast Calculator
Your new lower payment after a lump sum — and whether recasting or paying extra principal saves you more.
Open calculator →Rent vs Buy
Compare the true net cost of renting vs buying over your time horizon — and find your break-even year.
Open calculator →Loans & debt
All debt payoff calculatorsCredit Card Payoff
How many months to clear your balance, total interest, and the true cost of the minimum-payment trap.
Open calculator →Debt Snowball vs Avalanche
Enter all your debts and see which payoff method clears them fastest and saves the most interest.
Open calculator →Personal Loan Calculator
Monthly payment, total interest, and the real APR once the origination fee is counted — the number lenders bury.
Open calculator →Auto Loan Calculator
Real car payment including sales tax and trade-in, total interest, and a 36-to-72-month cost comparison.
Open calculator →Guides
UK money guides
Plain-English guides for 2026/27: tax codes, Scottish Income Tax, student loans, ISAs, Capital Gains Tax, the £100k trap and more, sourced from GOV.UK.
Read guides →Debt Snowball vs Avalanche
Which method actually costs less, by how much, and why the cheaper one is the one most people quit — worked through with real numbers.
Read guide →The Minimum Payment Trap
Why minimum payments stretch a balance over two decades — and the one change that cuts it to a few years without paying more.
Read guide →How Much Does a Mortgage Recast Cost?
The fee is $150–$500 — but the real cost is what the lump sum gives up.
Read the guide →Is a Mortgage Recast Worth It?
It lowers your payment without refinancing — but it will not shorten your loan. When it wins, and when extra principal beats it.
Read guide →What Is a Good Yield on Cost?
There is no threshold — and the highest yield on cost is not the one that pays most.
Read the guide →Coast FIRE vs Barista FIRE
Two very different ways to stop saving early — what each one actually requires, and which fits your situation.
Read guide →Lean FIRE vs Fat FIRE
The spending levels that define each, the portfolio each needs under the 4% rule, and the risk trade-offs that matter.
Read guide →No calculators match that yet. Try a broader word such as "mortgage", "dividend" or "retirement".
UK quick answers, 2026/27
Salary after tax
- £20,000 after tax£1,493 a month
- £25,000 after tax£1,793 a month
- £30,000 after tax£2,093 a month
- £35,000 after tax£2,393 a month
- £40,000 after tax£2,693 a month
- £45,000 after tax£2,993 a month
- £50,000 after tax£3,293 a month
- £55,000 after tax£3,538 a month
- £60,000 after tax£3,780 a month
- £65,000 after tax£4,021 a month
- £70,000 after tax£4,263 a month
- £75,000 after tax£4,505 a month
- £80,000 after tax£4,746 a month
- £85,000 after tax£4,988 a month
- £90,000 after tax£5,230 a month
- £95,000 after tax£5,471 a month
- £100,000 after tax£5,713 a month
- £120,000 after tax£6,346 a month
- £125,140 after tax£6,509 a month
- £150,000 after tax£7,607 a month
Stamp duty by price (home mover, England & NI)
- Stamp duty on £200,000£1,500 SDLT
- Stamp duty on £250,000£2,500 SDLT
- Stamp duty on £300,000£5,000 SDLT
- Stamp duty on £350,000£7,500 SDLT
- Stamp duty on £400,000£10,000 SDLT
- Stamp duty on £450,000£12,500 SDLT
- Stamp duty on £500,000£15,000 SDLT
- Stamp duty on £600,000£20,000 SDLT
- Stamp duty on £750,000£27,500 SDLT
- Stamp duty on £1,000,000£43,750 SDLT
UK guides
- UK tax codes explainedWhat 1257L and other codes mean
- Scottish Income Tax explainedThe six 2026/27 bands
- Salary sacrifice explainedThe NI saving on a pension
- Lifetime ISA withdrawal penaltyWhy the 25% charge costs more than the bonus
- First-time buyer Stamp Duty reliefThe £500,000 cliff edge
- The “We Said” scorecardOur market calls, graded every Friday
Why these are different
Most calculators hand you a number and hide how they got it. Ours show the exact formula with your numbers plugged in, compare your options side by side, and explain what the result actually means — instantly, with no sign-up. Thirty-four tools for loans, debt, saving, tax and retirement, including seventeen for the UK. Built to be genuinely useful, not just to rank.
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All tools provide educational estimates, not financial advice. Confirm important figures with a qualified professional.