United Kingdom Finance Calculators
Calculate country-specific estimates for taxes, loans, retirement, savings and property decisions.
Essential UK Financial & Tax Planning Calculators
Navigate HMRC PAYE rules, Holyrood Scottish tax bands, Stamp Duty thresholds, and salary sacrifice pension savings.
Take-Home Pay
HMRC PAYE tax, 8%/2% NI & 5% auto-enrolment pension breakdown
Scottish Tax
Compare Holyrood 6 tax bands against England & Wales
Stamp Duty (SDLT)
First-time buyer relief up to £425k vs standard mover & BTL
Salary Sacrifice
Beat the brutal 60% tax trap between £100k and £125,140
Featured UK Tax, Property & Take-Home Tools
Updated for current HMRC rules: Holyrood Scottish tax bands, the £100k 60% tax trap, 15% employer NI changes, and First-Time Buyer Stamp Duty relief.
Scottish Tax vs England
Compare take-home pay across Holyrood 6 tax bands (19%–48%) vs England & Wales.
First-Time Buyer SDLT
Calculate Stamp Duty relief up to £425k in England & NI and see total buyer savings.
Pension Salary Sacrifice
Beat the 60% marginal tax trap (£100k–£125k) and calculate employee & employer NI savings.
Child Benefit Tax (HICBC)
Calculate the revised HICBC taper clawback and see how pension contributions restore 100% of your benefit.
Buy-to-Let Mortgage
125%/145% lender ICR stress tests, Section 24 tax relief restrictions, and SPV Ltd Co profit.
Tax
UK Income Tax Calculator
Estimate UK income tax, National Insurance and net take-home salary from gross annual pay for the 2025/2026 tax year.
NI Calculator
Estimate Class 1 employee National Insurance contributions and take-home deductions for 2025/2026.
Take Home Pay Calculator
Estimate UK annual, monthly and per-pay take-home pay after PAYE income tax, employee National Insurance and pension contributions.
PAYE Calculator
Estimate UK PAYE income tax from annual taxable pay, tax-free allowance and pay frequency.
Umbrella Calculator
Estimate contractor take-home pay through an umbrella company after fees, employer costs, PAYE tax and employee National Insurance.
Contractor Tax Calculator
Estimate limited company contractor take-home pay after expenses, salary, corporation tax and dividend tax assumptions.
CIS Calculator
Estimate Construction Industry Scheme deductions from labour income and material costs.
Dividend Tax Calculator
Estimate UK dividend tax using other income, dividend income and the dividend allowance.
Self Assessment Calculator
Estimate UK Self Assessment tax from employment income, self-employment profit, dividends and payments already made.
Salary Sacrifice Calculator
Estimate take-home pay impact and tax/NI savings from salary sacrifice pension contributions.
Bonus Tax Calculator
Estimate UK bonus take-home pay after PAYE income tax and employee National Insurance.
VAT Calculator UK
Calculate UK Value Added Tax (VAT). Add or remove standard 20%, reduced 5%, or custom VAT rates from net and gross amounts instantly.
Capital Gains Tax UK
Calculate UK Capital Gains Tax on shares, cryptocurrency, and residential property after the £3,000 annual exempt allowance.
Inheritance Tax UK
Calculate UK Inheritance Tax liability with standard nil-rate band, residence nil-rate band, and spousal exemptions.
Scottish Tax Calculator
Calculate Scottish income tax across Holyrood 6 tax bands (19% to 48%), compare take-home pay against England & Wales, and estimate National Insurance.
Salary Sacrifice Pension
Calculate your exact take-home pay, income tax savings, and National Insurance savings when sacrificing salary into your workplace pension.
Child Benefit Tax Calculator
Calculate the High Income Child Benefit Charge under 2025/2026 rules (£60,000 to £80,000 threshold), tax clawback, and how pension contributions restore 100% of your benefit.
Loans
Mortgage Repayment Calculator
Calculate monthly UK mortgage repayments, total interest and amortization schedule from loan amount, interest rate and term.
Car Finance UK
Compare UK Hire Purchase (HP) vs. Personal Contract Purchase (PCP) car finance: monthly payments, interest, and balloon costs.
Remortgage Calculator
Calculate your UK mortgage payment increase when moving from an expiring fixed rate (e.g. 1.8%–2.5%) to current market rates (4.5%–5.5%), plus product fee break-even analysis.
Investing
ISA Calculator
Estimate tax-free ISA compound growth from annual contributions, years, and expected investment returns.
Lifetime ISA Calculator
Calculate your 25% government bonus (£1,000/yr), compound investment growth for a first home deposit or retirement, and model the 25% unauthorized withdrawal penalty.
Retirement
Property
Stamp Duty Calculator
Estimate Stamp Duty Land Tax (SDLT) in England and Northern Ireland for main residence, first-time buyer or additional property purchase.
FTB Stamp Duty Calculator
Calculate Stamp Duty Land Tax (SDLT) relief for first-time buyers in England and Northern Ireland, and calculate your total savings vs standard movers.
Buy-to-Let Calculator
Calculate UK Buy-to-Let (BTL) mortgage payments, ICR rental coverage stress tests (125%/145%), Section 24 tax liability, and net rental yield.
Education
Employment
Redundancy Pay UK
Calculate your statutory redundancy pay entitlement based on your age, continuous years of service, and weekly pay.
Maternity Pay UK
Calculate Statutory Maternity Pay (SMP) weekly and total amounts over 39 weeks based on average weekly earnings.