UK money calculators, built to actually answer your question.
Free, no-signup, no-email-required. Every calculator below runs entirely in your browser — nothing is sent to a server, and there are no ads. Updated for 2026/27 UK rates.
Mortgages & property
- Mortgages & property
Mortgage repayment calculator
Work out your monthly mortgage payment, total interest and the impact of a rate change — in plain pounds and pence.
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Stamp Duty calculator (England & Northern Ireland)
Calculate Stamp Duty Land Tax for a home purchase in England or Northern Ireland — including first-time buyer relief and the additional-property surcharge.
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Mortgage affordability calculator (UK)
Estimate the maximum property price you can target — including a +3% stress-test on the monthly payment and an adjustment for other commitments.
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Compare two mortgages — total cost calculator
Compare two mortgage deals side-by-side over the shorter of the two initial periods. Includes the product fee — not just the headline rate.
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Buy-to-let yield calculator
Gross yield, net yield, cash-on-cash return and mortgage interest cover — with built-in allowances for voids and management.
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Tax & take-home pay
- Tax & take-home pay
Take-home pay calculator (2026/27)
See exactly how much hits your bank account after Income Tax, National Insurance and your pension contribution — for England, Wales and Northern Ireland.
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Marriage Allowance calculator (2026/27)
Check whether you can transfer £1,260 of unused Personal Allowance to your spouse or civil partner — and back-claim up to four previous tax years.
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Salary sacrifice vs net pay comparison
Compare the same workplace pension contribution paid via salary sacrifice and via net pay — and see the National Insurance you save.
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Capital Gains Tax calculator (2026/27)
Work out the Capital Gains Tax on shares, funds or a second property using current rates and the £3,000 annual exempt amount.
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Council Tax calculator (England)
Work out your annual Council Tax bill in England from your property band and your local Band D charge — including the single-person discount and second-home premium.
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Inheritance Tax calculator (UK)
Estimate your Inheritance Tax bill using the £325,000 nil-rate band, the £175,000 residence band, taper above £2m and any allowance transferred from a deceased spouse.
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Statutory redundancy pay calculator (UK)
Work out the statutory minimum redundancy payment using your age, full years of service and weekly pay (capped at £719 from 6 April 2025).
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Statutory Maternity Pay calculator (UK)
Work out Statutory Maternity Pay over the 39 paid weeks — 90% of your weekly pay for 6 weeks, then the lower of £187.18 or 90% for 33 weeks.
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Digital asset Inheritance Tax calculator (UK)
Estimate the IHT exposure of an estate that includes cryptoassets, NFTs and other digital property, with the £325k nil-rate band, residence band, spouse transfer and the 36% reduced charity rate.
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Charitable giving tax-relief calculator
Compare the true net cost of donating cash via Gift Aid, qualifying investments (listed shares, AIM, UCITS units) or cryptoassets direct to a UK charity.
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Savings & investing
- Savings & investing
Savings goal & compound interest calculator
Plan how much to save each month to hit a target, or see how a lump sum grows over time at any interest rate.
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Premium Bonds probability calculator
See your real odds of winning a Premium Bonds prize, your expected annual return at the current prize-fund rate, and how it compares with easy-access savings.
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Pensions
- Pensions
Pension contribution & tax relief calculator
See how much basic, higher and additional-rate tax relief is added to your pension — and what your real out-of-pocket cost is.
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Pension drawdown sustainability calculator
Project how long your pension pot lasts in drawdown — including inflation-linked rises and the “4% rule” benchmark.
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National Insurance top-up calculator
Compare the one-off cost of filling missing National Insurance years (Class 3 at £17.75/week) against the extra State Pension it buys for life.
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Borrowing
- Borrowing
Monthly budget planner
Enter your monthly income and spending across 12 categories. See exactly where your money goes and your real savings rate.
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Credit card payoff calculator
See how long it will take to clear a card balance — and how much interest you save by paying a fixed amount rather than the minimum.
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Personal loan repayment calculator
Work out the monthly payment, total interest and total cost of a personal loan or car finance — at any APR and term.
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