UK money maths, done properly.
Free calculators for take-home pay, self-employed tax, pensions, mortgages, stamp duty, loans and savings. Built on the 2026/27 rates, with the assumptions shown, not hidden.
Calculators
Take-home pay calculator
Work out your take-home pay after income tax, National Insurance and pension, using 2026/27 rates for England, Wales, Northern Ireland and Scotland.
Open calculator →Salary sacrifice pension calculator
See how a salary sacrifice pension contribution changes your take-home pay, and how much income tax and National Insurance it saves, using 2026/27 rates.
Open calculator →Self-employed tax calculator
Estimate income tax and Class 4 National Insurance on your self-employed profit for 2026/27, and how much to set aside for your tax bill.
Open calculator →Stamp duty calculator
Calculate Stamp Duty Land Tax on a home in England or Northern Ireland, including first-time buyer relief, the 5% second-home surcharge and the non-resident surcharge.
Open calculator →Mortgage repayment calculator
Work out your monthly mortgage repayment, total interest and loan-to-value, and see how overpaying could shorten the term and save interest.
Open calculator →Loan repayment calculator
See your monthly loan repayment, total interest and payoff date, and how much interest a monthly overpayment could save. Uses UK-style APR.
Open calculator →Credit card payoff calculator
Find out how long it takes to clear a credit card balance with a fixed monthly payment, and how much interest you will pay on the way.
Open calculator →Compound interest calculator
See how savings or investments could grow with compound interest and regular monthly contributions, with a year-by-year breakdown.
Open calculator →Savings goal calculator
Find out how much to save each month to reach a savings target by a set date, allowing for what you have already saved and the interest you earn.
Open calculator →Guides
How UK Income Tax and National Insurance Work in 2026/27
A plain-English guide to the personal allowance, tax bands, National Insurance and the 60% tax trap between £100,000 and £125,140.
Read guide →Loan APR and Monthly Payments: What You Actually Pay
What APR means in the UK, why the advertised rate may not be yours, and how term length and overpayments change the total cost of a loan.
Read guide →Stamp Duty Explained: Bands, First-Time Buyer Relief and Surcharges
How Stamp Duty Land Tax works in England and Northern Ireland, who qualifies for first-time buyer relief, and when the 5% and 2% surcharges apply.
Read guide →How we keep the numbers honest
- Rates in plain sight. Every calculator lists the bands and thresholds it uses, with the tax year.
- Assumptions stated. If a result ignores something (tax code changes, student loans, benefits in kind), the page says so.
- Private by design. Calculations run in your browser. Nothing you type is sent to us.
Last reviewed 29 October 2026. Always check figures against GOV.UK before making decisions.