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Calculate your take-home pay after income tax, NI, pension and student loan deductions.
Use Calculator →Convert any annual salary to an hourly rate, or price your freelance work correctly.
Use Calculator →Calculate your gross and net overtime pay at time-and-a-half, double time or custom rates.
Use Calculator →Find out exactly how much of your bonus you keep after income tax and National Insurance.
Use Calculator →See how a pay rise translates into actual take-home pay after tax and NI.
Use Calculator →Work out your monthly mortgage payments, total interest and LTV ratio.
Use Calculator →Find out how much SDLT you'll pay in England, Scotland or Wales.
Use Calculator →Compare the true cost of renting versus buying a home over your chosen period.
Use Calculator →Work out how long it will take to save your house deposit and track your progress.
Use Calculator →Compare your current mortgage deal to a new rate and find out your saving, fee payback and break-even point.
Use Calculator →Calculate your mortgage, rent on the unsold share and total monthly cost for shared ownership purchases.
Use Calculator →Add up all the costs of moving: stamp duty, solicitor fees, surveys, removals and more.
Use Calculator →Find out how much rent you can afford based on your take-home pay using the 30% and 30x rules.
Use Calculator →Calculate your Help to Buy equity loan repayments, interest charges from year 6 and total cost.
Use Calculator →Calculate Capital Gains Tax on property sales with PPR relief, letting relief and 60-day reporting.
Use Calculator →Calculate monthly repayments, total interest and the full cost of any personal loan.
Use Calculator →See how long it takes to pay off your credit card and total interest charged.
Use Calculator →Plan your debt payoff with the snowball or avalanche strategy and save on interest.
Use Calculator →Compare simple vs compound interest and see exactly how money grows over time.
Use Calculator →Add or remove VAT instantly at standard (20%), reduced (5%) or custom rates.
Use Calculator →Calculate income tax and Class 2/4 NI for sole traders with expense deductions.
Use Calculator →Work out your limited company corporation tax bill including marginal relief.
Use Calculator →Decode any UK tax code, understand your personal allowance and spot errors on your payslip.
Use Calculator →Find out if you've overpaid or underpaid tax and estimate your P800 refund or bill.
Use Calculator →Calculate tax on extra income from Vinted, Etsy, Airbnb, tutoring or freelancing. Includes £1,000 trading allowance.
Use Calculator →Work out the day rate you need to charge to match your target income after tax and holidays.
Use Calculator →Compare inside vs outside IR35 take-home pay. See the cost of being caught by IR35 as a contractor.
Use Calculator →Compare taking income as salary vs dividends from your limited company and find the most tax-efficient mix.
Use Calculator →Calculate employee and employer National Insurance contributions by category including self-employed Class 2 and 4.
Use Calculator →Work out tax on a second job. Understand tax codes BR, D0 and 0T and whether you'll pay too much NI.
Use Calculator →Calculate CGT on crypto disposals and income tax on staking or mining rewards. HMRC Section 104 pooling.
Use Calculator →Check your HMRC mileage allowance relief on car, motorcycle or bicycle business trips. Claim tax back on shortfalls.
Use Calculator →See how salary sacrifice into your pension reduces income tax and National Insurance for you and your employer.
Use Calculator →Compare taking a cash bonus vs sacrificing it into your pension. Saves tax and NI instantly.
Use Calculator →See how compound interest grows your savings over time with regular contributions.
Use Calculator →Track your total assets and liabilities to find your true net worth.
Use Calculator →Find out what any amount was worth in any year from 1990 to 2026 using UK CPI data.
Use Calculator →Calculate your FIRE number, savings rate and the year you can retire early. Includes state pension and SWR modelling.
Use Calculator →See how the 25% government bonus grows your LISA savings for a first home or retirement.
Use Calculator →See how much pension tax relief you get at 20%, 40% or 45%. Compare relief at source vs net pay.
Use Calculator →Find out how much tax you owe on savings interest above your Personal Savings Allowance.
Use Calculator →Understand your monthly disposable income and how much home you can afford.
Use Calculator →Project your pension pot, state pension and retirement income based on contributions and growth rate.
Use Calculator →Calculate CGT on property, shares and other assets for 2026/27 including your annual exempt amount.
Use Calculator →Work out tax on dividends from limited companies or shareholdings for 2026/27.
Use Calculator →Calculate child benefit entitlement and the High Income Child Benefit Charge for 2026/27.
Use Calculator →Estimate IHT on your estate with nil rate band, residence nil rate band and gifting allowances.
Use Calculator →Model your ISA savings growth over time with Stocks & Shares or Cash ISA returns.
Use Calculator →Calculate rental yield, cash flow and ROI on a buy-to-let property investment.
Use Calculator →Calculate your statutory redundancy pay entitlement based on age, salary and years of service.
Use Calculator →Estimate statutory maternity pay (SMP) week by week for 2026/27 including the flat rate period.
Use Calculator →Estimate your council tax bill by band and local authority, including single person discount.
Use Calculator →Check if your pay meets the National Living Wage and calculate annual earnings at minimum wage rates.
Use Calculator →Track income and expenses across all categories to see where your money goes each month.
Use Calculator →Compare two job offers side-by-side · take-home pay, benefits, pension and total package value.
Use Calculator →See how much interest you save and how many months you pay off early by overpaying your mortgage.
Use Calculator →Estimate your State Pension based on qualifying years, NI gaps and forecast retirement income.
Use Calculator →Calculate your net childcare costs after free hours, Tax-Free Childcare top-ups and UC childcare element.
Use Calculator →See how much a charity receives with Gift Aid and how much you can reclaim as a higher rate taxpayer.
Use Calculator →Estimate your monthly Universal Credit entitlement including standard allowance, housing element and earnings taper.
Use Calculator →Calculate your statutory holiday entitlement for full-time, part-time, shift and zero-hours contracts.
Use Calculator →Plan how to split shared parental leave and pay between partners. Weekly ShPP breakdown.
Use Calculator →Calculate Statutory Sick Pay entitlement, waiting days and the maximum 28-week payment period.
Use Calculator →Estimate CMS child maintenance payments based on income, number of children and shared care nights.
Use Calculator →Compare UK income tax rates and thresholds over the years to see how they've changed.
Use Calculator →Compare car allowance vs company car · take-home value, tax cost and mileage reimbursement.
Use Calculator →Compare take-home pay as a permanent employee, umbrella company or limited company contractor.
Use Calculator →Calculate benefit-in-kind tax on an electric company car and see your saving vs petrol/diesel.
Use Calculator →Calculate tax on rental income including Section 24 mortgage interest restriction for 2026/27.
Use Calculator →Plan your wedding budget across all cost categories and find out how much to save each month.
Use Calculator →Estimate total degree costs, maintenance loan entitlement and student loan repayments after graduation.
Use Calculator →Calculate solar panel savings, payback period, Smart Export Guarantee income and 25-year ROI for UK homes.
Use Calculator →Calculate the true annual cost of your commute by car or train, including the value of your time and WFH savings.
Use Calculator →Calculate petrol, diesel or EV cost per mile, monthly and annual fuel spend. Compare fuel types at your mileage.
Use Calculator →Estimate your annual gas and electricity bills by home size and tariff. Compare to Ofgem typical usage.
Use Calculator →Calculate your teacher take-home pay by pay point and region. Includes TPS pension, part-time FTE and Scottish tax rates.
Use Calculator →Compare your salary against UK median data by job title, location and experience. Find out if you're underpaid · and by how much.
Check My Pay →Compare PCP, HP and personal loan finance on any car. Monthly payments, total cost and affordability check.
Use Calculator →Calculate monthly repayments for Plan 1, 2, 4, 5 and Postgraduate loans. See when your loan is written off.
Use Calculator →Verify your payslip is correct. Enter your gross pay and tax code to see expected tax and NI vs what was deducted.
Use Calculator →See how long your pension pot will last. Enter pot size, annual withdrawal and growth rate to get your full drawdown timeline.
Use Calculator →Compare pension vs ISA for long-term saving. See which wins after tax relief, employer contributions and growth for your tax band.
Use Calculator →Calculate your ideal emergency fund based on monthly expenses, employment type and dependants. See how long to build your safety net.
Use Calculator →Compare cost of living between UK cities. Find the equivalent salary you'd need in Manchester, Bristol, Edinburgh and 27 more cities.
Use Calculator →Calculate your UK road tax (VED) for 2026/27. First year rate, standard rate and expensive vehicle supplement for any CO2 band.
Use Calculator →Should you overpay your mortgage or invest the money? Compare guaranteed interest savings vs potential investment returns side by side.
Use Calculator →See exactly how much you save moving credit card debt to a 0% deal. Accounts for transfer fees, intro period length and what happens when the 0% ends.
Use Calculator →Clear debt faster by attacking the highest interest rate first. See your payoff order, total interest saved and months to debt-free vs minimum payments only.
Use Calculator →Find the true cost and real APR of Klarna, Clearpay and Pay in 3 schemes before you buy. See what one missed payment actually costs you.
Use Calculator →Calculate your Statutory Paternity Pay for 2026/27. See weekly SPP, net take-home during leave and the income gap vs your normal salary.
Use Calculator →Find your State Pension age, projected weekly payment and how many more qualifying NI years you need. See the cost of buying missing years.
Use Calculator →Estimate your annual gas and electricity bill by home size using Ofgem Q2 2026 price cap rates. Includes EV charging and seasonal monthly breakdown.
Use Calculator →Calculate tax on EMI, CSOP and unapproved share options. See income tax, CGT and net proceeds after Business Asset Disposal Relief for 2026/27.
Use Calculator →Calculate income tax relief and CGT benefits from EIS and SEIS startup investments. See upfront relief, effective cost and net returns at different exit multiples.
Use Calculator →See how much you save by transferring 10% of your Personal Allowance to your spouse. Backdate up to 4 years for up to £1,258 in total tax savings.
Use Calculator →Calculate your WFH tax relief for 2026/27. Compare the HMRC flat rate (£6/week) against actual costs to claim the higher amount back.
Use Calculator →Calculate the P11D tax on company perks including private medical insurance, gym membership, company vans and beneficial loans for 2026/27.
Use Calculator →Check if you've hit the £60,000 annual allowance and how much you can carry forward from the past 3 years. Covers tapered and Money Purchase allowances.
Use Calculator →Project how much your child's Junior ISA could be worth at 18. Compare Cash JISA vs Stocks & Shares returns with monthly contributions and lump sums.
Use Calculator →The Cash ISA allowance drops to £12,000 in April 2027 and savings tax rises to 22%. See exactly how much extra tax you'll pay and your best options.
Use Calculator →From April 2027 unused pensions count toward IHT. Compare old vs new rules, see the double-tax effect after 75 and what your family actually keeps.
Use Calculator →Check if you get the £200 or £300 payment this winter and whether the £35,000 individual income cliff edge claws it back. Includes the opt-out decision.
Use Calculator →Convert a full-time salary to part-time pro rata pay. FTE fraction, take-home after tax and NI, term-time only option and pro rata holiday entitlement.
Use Calculator →Expected winnings at the current prize rate, your odds of winning anything, and whether a savings account beats Premium Bonds after tax.
Use Calculator →Start from the house price: see the salary you need at 4.5x lending, the joint-income option, monthly repayments and the lender stress test.
Use Calculator →Is buying missing NI years worth it? Class 2 vs Class 3 cost, extra State Pension per year, payback period and lifetime gain after tax.
Use Calculator →An electric car through your payslip can cost 30-50% less. Tax and NI saved, the 4% BiK charge, and your true monthly cost vs a personal lease.
Use Calculator →Is your rent rise fair? Check it against inflation and local market rents, verify the Section 13 notice rules and your free tribunal challenge rights.
Use Calculator →Scotland has 6 tax bands from 19% to 48%. Calculate your Scottish take-home pay and see exactly how it compares with the rest of the UK.
Use Calculator →Watch your money snowball. Initial sum plus monthly contributions with daily, monthly or annual compounding and a year-by-year breakdown.
Use Calculator →Turn your pension pot into guaranteed income for life. Compare level, RPI-linked and joint annuities, and see the break-even vs drawdown.
Use Calculator →How much could you release from your home, and what does compound roll-up interest really do to your equity and inheritance over time?
Use Calculator →Earning £100k-£125k? The Personal Allowance taper makes your real marginal rate 62%. See the cost and the pension contribution that escapes it.
Use Calculator →On 1257L W1/M1, 0T, BR or D0? Calculate how much you are overpaying, especially on pension withdrawals, and exactly how to claim it back.
Use Calculator →Guaranteed income for life or flexible withdrawals? Compare income levels, pot depletion risk and what your family inherits under each route.
Use Calculator →Your 25% tax-free cash against the £268,275 cap, tax on the rest, UFPLS vs drawdown, and the MPAA trigger explained.
Use Calculator →Minimum, Moderate or Comfortable? Compare your retirement income against the Living Standards and see the pot and monthly saving that close the gap.
Use Calculator →Deferring earns 5.8% a year extra for life. See the break-even age and when the tax-band arbitrage makes waiting genuinely worth it.
Use Calculator →A 1% fee can eat a quarter of your returns over 30 years. Calculate what your OCF and platform fees really cost vs a cheap tracker.
Use Calculator →Invest it all today or average in over months? The expected cost of waiting, and why lump sum wins about two-thirds of the time.
Use Calculator →Why a 7% regular saver earns about half what you expect, and the drip-feed strategy that squeezes the most from both accounts.
Use Calculator →How much invested for £1,000 a month? Portfolio to income or target to pot required, with 2026/27 dividend tax and the ISA advantage.
Use Calculator →Pay a little CGT today to make investments tax-free forever? Weigh the upfront cost against the annual tax it kills, with your break-even year.
Use Calculator →Point savings at your mortgage and pay interest on the difference. Interest saved, years cut, and whether it beats a savings account after tax.
Use Calculator →Lower payments now or a cleared mortgage later? Both routes compared honestly, including the capital cliff and invest-the-difference.
Use Calculator →Estimate your lease extension premium, see the 80-year marriage value cliff, and what waiting five more years would cost you.
Use Calculator →Cheaper rates available but locked in a fix? Whether paying the ERC to switch now beats waiting, with your break-even month.
Use Calculator →£23 billion of UK benefits go unclaimed every year. Seven questions to see what your household should be checking, with annual values.
Use Calculator →Self-employed maternity pay: up to £187.18 a week for 39 weeks, and the tiny Class 2 NI top-up that can multiply your award seven-fold.
Use Calculator →Caring 35+ hours a week? Check your entitlement, the all-or-nothing £196 earnings cliff, and the pension trick that keeps you under it.
Use Calculator →Up to £110.40 a week at State Pension age, tax-free whatever your savings · and around a million eligible people never claim it.
Use Calculator →The two-child limit on Universal Credit is scrapped from April 2026. See exactly what your family gains per month and per year.
Use Calculator →20% off childcare up to £2,000 per child, stacked with 30 free hours · and the £100k cliff edge that silently wipes out both.
Use Calculator →Britain's most under-claimed benefit: your weekly top-up, how savings really count, and the free extras even £1 a week unlocks.
Use Calculator →What lenders see when they look at you: your DTI ratio with and without housing, rated against the bands that decide applications.
Use Calculator →Per-card and overall utilisation, the exact paydown to reach 25%, and why closing old cards backfires before a mortgage application.
Use Calculator →IVA, Debt Relief Order, bankruptcy or DMP · which fits your situation, what gets written off, and where the free help is.
Use Calculator →A little extra each month quietly demolishes a loan. Interest saved, months cut, and your legal right to partial early settlement.
Use Calculator →Estimate your PCP or HP settlement figure, your equity position, and whether the 50% voluntary termination rule is your cheapest exit.
Use Calculator →"5% flat" is really 9.5% APR. Convert dealer rates to the truth, see the cost in pounds, and compare against a bank loan.
Use Calculator →The biggest cost of running a newer car. Future value by year, cost per month and per mile, and the sweet-spot age to buy at.
Use Calculator →A £2,000 e-bike for around £1,200. The real salary-sacrifice saving, including the end-of-scheme ownership fee everyone forgets.
Use Calculator →£30 for a third off fares · but only if you travel enough. Your payback point, annual saving and whether the 3-year card wins.
Use Calculator →Hybrid working broke the old maths. Annual vs flexi vs daily tickets, with the break-even office days for your route's real prices.
Use Calculator →£12.50 a day quietly becomes thousands a year. Your annual zone cost, and whether swapping the car beats paying the charge.
Use Calculator →Dropping a day rarely costs a fifth of your income. The real after-tax difference, and the childcare and commute savings that claw it back.
Use Calculator →That £999 phone costs you three days of your life. Convert any purchase into hours of YOUR work at your real after-tax rate.
Use Calculator →Everyone compares against their bubble. See where your salary actually ranks among all UK earners, and the top 10%, 5% and 1% thresholds.
Use Calculator →No lectures, just numbers: the habit per year and per decade, and the eye-watering sum if the same money were invested instead.
Use Calculator →Income is the flow, wealth is the score. Where your household really stands for your age band, pensions included.
Use Calculator →How much cover does your family actually need? The DIME method: debts, income, mortgage, education · minus what you already have.
Use Calculator →If illness stopped your income, how long would you survive? Your sick-pay cliff, the benefit to buy, and the deferral that cuts the premium.
Use Calculator →The lump sum that lets you focus on recovery instead of money: mortgage, recovery income and treatment buffer, built from parts.
Use Calculator →Most UK homes are underinsured, and the average clause scales down every claim. Check your sum insured against a realistic rebuild figure.
Use Calculator →A dog costs £15,000-£20,000 over its life. Total premiums as they rise with age, and the honest insure-vs-savings verdict.
Use Calculator →A £35,000 salary costs over £40,000. The true cost per hire: 15% employer NI, pension, levy and the Employment Allowance offset.
Use Calculator →FRS vs standard VAT · which leaves more in the business? Includes the 16.5% limited cost trader trap and first-year discount.
Use Calculator →The 33.75% s455 charge on a timer, plus the benefit in kind on interest-free loans and the deadlines that avoid both.
Use Calculator →Up to £10,500 off your employer NI · check eligibility, how far it stretches, and the optimal director salary it unlocks.
Use Calculator →Late-paying clients owe you 8% + base rate plus fixed compensation, by law. Calculate the total, with copy-paste demand wording.
Use Calculator →Hiring a nanny makes you an employer. The true monthly cost · gross salary, employer NI, pension, admin · and why gross beats net.
Use Calculator →No will means the law decides who inherits, not you. See exactly how your estate divides · and why unmarried partners get nothing.
Use Calculator →Give money away and it can still be taxed if you die within 7 years. The real IHT, when taper relief helps, and the exemptions that make gifts free today.
Use Calculator →A starting-point picture: the matrimonial pot, the 50/50 baseline and the adjustments that move real settlements · including forgotten pensions.
Use Calculator →The court fee is just £300 · the big variable is DIY vs solicitor, fixed fee vs percentage. See the difference and what DIY saves.
Use Calculator →Estimate a UK funeral by type and extras · burial, cremation or direct cremation · plus the help available toward the bill.
Use Calculator →Pram, nursery, nappies, feeding and childcare · add up the real first year, see where second-hand saves most, and offset Child Benefit.
Use Calculator →Step-by-step articles to help you get the most from every calculator
A step-by-step guide to understanding income tax, NI and pension deductions using our salary calculator.
Read Guide →Learn how to work out your monthly payments, total interest and what LTV means for your rate.
Read Guide →How AfC bands, London weighting, pension tiers and tax all combine to give your actual take-home pay.
Read Guide →Class 2 and Class 4 NI, Self Assessment, payment on account · everything sole traders need to know.
Read Guide →First-time buyer relief, second home surcharges, and how SDLT bands work in England, Scotland and Wales.
Read Guide →We're writing step-by-step tutorials for every calculator. Check back soon.
View All Guides →Built specifically for UK users with 2026/27 tax rates
All calculations happen as you type. No waiting, no submitting forms.
Built around UK tax law, SDLT, NI, and 2026/27 HMRC rates.
Each tool gives you actionable insights, not just numbers.
No registration, no paywalls. Your data stays in your browser.
The headline rates, allowances and thresholds our calculators use. Verified against GOV.UK.
| Allowance or rate | 2026/27 figure |
|---|---|
| Personal allowance | £12,570 (reduced by £1 for every £2 earned over £100,000) |
| Basic rate (20%) | £12,571 to £50,270 |
| Higher rate (40%) | £50,271 to £125,140 |
| Additional rate (45%) | Over £125,140 |
| Employee National Insurance | 8% from £12,570 to £50,270, then 2% above |
| ISA allowance | £20,000 per year |
| Capital Gains Tax | £3,000 exempt, then 18% (basic) or 24% (higher) |
| Dividend allowance | £500, then 8.75% / 33.75% / 39.35% |
| Inheritance Tax | 40% above the £325,000 nil-rate band (plus £175,000 residence nil-rate band) |
| State Pension (full new) | £241.30 per week |
Scotland sets its own income tax bands · see the Scottish Income Tax Calculator. Figures are for guidance and not financial advice.
Yes. All tax rates, personal allowances, NI thresholds and SDLT bands are updated for the 2026/27 UK tax year. Rates are hardcoded and clearly labelled on each calculator page.
No. UKFinanceCalculator provides tools for informational and educational purposes only. The results should not be treated as financial, tax or legal advice. Always consult a qualified financial adviser or HMRC for personalised guidance.
No account or sign-up is required. All calculations run entirely in your browser. No data is sent to any server.
The tax-free personal allowance is £12,570 (reduced above £100,000 income). Income tax is 20% from £12,571 to £50,270, 40% from £50,271 to £125,140, and 45% above £125,140. Employee National Insurance is 8% then 2%. The ISA allowance is £20,000, the Capital Gains Tax exemption is £3,000 (18% or 24%), the dividend allowance is £500, and Inheritance Tax is 40% above the £325,000 nil-rate band. See the full table above · Scotland uses separate bands.
For informational purposes only · Not financial advice · Tax rates shown are for 2026/27