UK Calculators
Free, no-signup calculators covering tax, mortgages, savings, pensions and more.
Tax & take-home
Child Benefit Tax Charge Calculator (HICBC)
Work out what the High Income Child Benefit Charge takes back, who in the couple pays it, and how a pension contribution can wipe it out. We calculate your adjusted net income for you.
UK Capital Gains Tax Calculator: Residential Property
Calculate Capital Gains Tax on the sale of UK residential property, accounting for Private Residence Relief, the Annual Exempt Amount, and the basic / higher rate split for the year of disposal.
UK Dividend Tax Calculator
Enter your other income and the dividends you received to see your dividend tax, the tax-free allowance used, and how much of your dividends you keep.
UK National Insurance Calculator
Work out your Class 1 employee National Insurance for any UK salary, with the monthly and annual figures, your effective rate, and what your employer pays on top.
UK Self-Employed / Sole Trader Tax Calculator
Enter your self-employment income and expenses to see the income tax, Class 4 and Class 2 National Insurance you'll owe on your trading profit, and what you keep.
UK Take-Home Salary / PAYE Calculator
Enter your gross salary to see your monthly and annual take-home pay after income tax and National Insurance.
Loans & mortgages
Mortgage Affordability Calculator
Find out how much you could borrow for a mortgage, based on both the income-multiple cap lenders headline and the affordability check they actually run on your budget.
Mortgage Payment Calculator
Work out your monthly mortgage payment and see how much you'll pay in interest over the life of the loan.
Personal Loan Repayment Calculator
Work out the monthly repayment on a personal loan and see how much of what you pay back is interest.
Mortgage Overpayment Calculator
See how much interest you save and how many years earlier you finish the mortgage when you pay extra each month.
Savings & investing
Compound Interest Calculator
See how a single deposit grows over time. Compare daily, monthly, quarterly and yearly compounding side by side.
Premium Bonds Calculator: What You Will Actually Win
NS&I advertises a prize fund rate that is an average, lifted by the rare million-pound prizes. See what a holding your size typically wins, and whether a taxed savings account would beat it.
ISA Calculator
See what your ISA could be worth, with every penny of the growth free of tax, and how much of your allowance you are actually using. Cash ISA limits change in April 2027.
Lifetime ISA (LISA) Calculator
See what your Lifetime ISA could be worth for a first home, including the 25% government bonus of up to £1,000 a year and the £450,000 property price cap.
Savings Goal Calculator
Work out how much you need to save each month to reach a target by a date, and how much of that target the interest saves you from putting in yourself.
UK Savings Calculator
See what your savings could grow to with a monthly deposit, how much of the total is interest, and how much of that interest you lose to tax once you pass your Personal Savings Allowance.
Pensions & retirement
Pension Tax-Free Lump Sum Calculator
See how much of your pension you can take tax-free (25%, capped at £268,275), and the income tax you would pay on the rest if you drew it all in one year.
UK Pension Salary-Sacrifice Calculator
See how sacrificing part of your salary into your pension cuts your income tax and National Insurance, and how little it actually costs your take-home pay.
Pension Annuity Calculator
See how much guaranteed income for life your pension pot could buy, what income tax leaves you to spend, and how it compares with keeping the pot invested.
Pension Drawdown Calculator
See how long your pension pot could last in retirement, the safe withdrawal rate (the 4% rule), and how much income tax leaves you to spend.
Pension Projection Calculator
See how big your pension pot could grow by the time you retire, how much of it is investment growth you never paid in, and how much you could take tax-free.
Property
Scottish LBTT Calculator
Calculate Scottish Land and Buildings Transaction Tax on residential property purchases: first-time buyer relief, Additional Dwelling Supplement, and the date-dependent rate schedule since 2015.
UK Stamp Duty (SDLT) Calculator
Calculate UK Stamp Duty Land Tax on residential property purchases: first-time buyer relief, additional-property surcharge, and corporate flat rate all in one place.
Welsh LTT Calculator
Calculate Welsh Land Transaction Tax on residential property purchases, including the separate higher-residential rates that apply to second homes and buy-to-let.
Debt
UK Credit Card Payoff Calculator
See how long it takes to clear a credit card on the minimum payment alone, and how many years and how much interest you save by paying a fixed amount extra each month.
UK Student Loan Repayment Calculator
See when your student loan clears or gets written off, how much you'll repay in total, and whether overpaying actually saves you anything.
Estate & inheritance
About these calculators
All numbers are computed against the published HMRC legislative tables for the indicated tax year. Each calculator carries a "Sources" footer linking to the primary HMRC / gov.uk pages it draws on; rates and thresholds update automatically when a new tax year's figures land.
Want to model a calculator's scenario alongside the rest of your financial picture? Each calculator can hand its inputs to the full simulator as a starting project.
