UK Financial Calculators 2025/26
HMRC-accurate calculators for tax year 2025/26. Income tax, National Insurance, ISA, pension, property, and more.
๐ Mortgage Calculator
First-time buyer affordability, remortgage savings, or overpayment impact.
๐ท๏ธ Stamp Duty Calculator
SDLT for England & Northern Ireland โ standard and first-time buyer rates.
๐ Income Tax Calculator 2025/26
Take-home pay after income tax and National Insurance.
๐ฐ Take-Home Pay Calculator
Annual salary to monthly pay โ or convert a contractor daily rate.
๐ Pension Calculator
Project your workplace pension pot โ or check your State Pension.
๐ Student Loan Calculator
Monthly repayment, years to repay, and how much gets written off.
๐งพ VAT Calculator
Add or remove VAT at 20%, 5%, or 0%.
๐ ISA Calculator
Project ISA growth, compare Cash vs Stocks & Shares, or calculate LISA bonus.
๐ Capital Gains Tax Calculator
CGT on shares and property โ rates, reliefs, and planning strategies.
๐๏ธ Inheritance Tax Calculator
Estimate IHT, use nil-rate bands, and find strategies to reduce your bill.
๐๏ธ Council Tax Calculator
Estimate council tax by band, look up your band, and find discounts.
๐ท Dividend Tax Calculator
Dividend tax rates, director's salary + dividends, and optimal pay mix.
๐ Self-Assessment Calculator
Self-employed tax, payment on account, and mixed income breakdown.
๐ Salary Sacrifice Calculator
Pension sacrifice savings, other schemes, and impact on benefits.
๐ Buy-to-Let Calculator
Rental yield, Section 24 tax impact, and SDLT surcharge for landlords.
๐ถ Child Benefit Calculator
Benefit amounts, HICBC charge, and whether to opt out or claim.
๐ก๏ธ National Insurance Calculator
Employee NI, employer NI, and self-employed Class 2 & 4 contributions.
๐ข Corporation Tax Calculator
Main rate, small profits, marginal relief, and salary vs dividends extraction.
๐ Car Tax Calculator
VED by CO2 emissions, electric vs petrol costs, and total running cost.
๐ฆ Pension Drawdown Calculator
Tax-free lump sum, drawdown income tax, and how long your pot lasts.
๐ Redundancy Pay Calculator
Statutory entitlement, tax on packages over ยฃ30K, and total net payment.
๐ถ Maternity Pay Calculator
SMP week-by-week, take-home during leave, and Maternity Allowance comparison.
๐ IR35 Calculator
Inside vs outside IR35 take-home, umbrella costs, and rate negotiation.
๐ Tax Code Calculator
Decode your tax code, see pay impact, and fix common problems.
๐ฐ Savings Interest Calculator
Interest earned, PSA tax, and ISA vs non-ISA comparison.
โก Energy Cost Calculator
Electricity and gas bills, cost by appliance, and money-saving tips.
๐ณ Personal Loan Calculator
Monthly payments, rate by amount bands, and early repayment savings.
๐๏ธ Holiday Entitlement Calculator
Statutory days, part-time pro-rata, and holiday pay calculation.
๐ค Sick Pay Calculator
SSP entitlement, employer scheme comparison, and what happens after 28 weeks.
๐ถ Paternity Pay Calculator
SPP for 2 weeks, Shared Parental Leave, and take-home during leave.
๐ Notice Period Calculator
Statutory notice weeks, notice pay, and your rights during notice.
๐ Mortgage Overpayment Calculator
Interest saved, years shaved off, and 10% allowance check.
๐ Remortgage Calculator
Monthly savings, deal comparison, and LTV band impact.
๐๏ธ Shared Ownership Calculator
Monthly cost, vs full purchase, and staircasing to full ownership.
๐ Workplace Pension Calculator
Contributions, pot projection, and salary sacrifice NI savings.
๐ Sole Trader Tax Calculator
Tax on profits, payment on account, and sole trader vs limited company.
๐ท Dividend Salary Calculator
Optimal salary-dividend split, comparison scenarios, and pension extraction.
๐ Marriage Allowance Calculator
Check eligibility, calculate ยฃ252/year saving, and backdate up to 4 years.
๐ฆ Universal Credit Calculator
Estimate your UC entitlement, understand the 55% taper, and check childcare help.
โฑ๏ธ Minimum Wage Calculator
Check your effective hourly rate against NLW, including unpaid overtime impact.
๐ Company Car Tax Calculator
Calculate BIK tax, compare EV vs petrol, and see salary sacrifice savings.
๐ข Lease Extension Calculator
Estimate your lease extension premium and understand the 80-year cliff edge.
๐ Gift Aid Calculator
See how Gift Aid boosts your charity donations and claim higher rate relief.
๐ช Business Rates Calculator
Calculate your business rates bill, check reliefs, and estimate 2026 revaluation impact.
โฟ Crypto Tax Calculator
Calculate CGT on crypto disposals, S104 pooling, and staking income tax.
โฝ Fuel Cost Calculator
Calculate trip and annual fuel costs, compare petrol vs EV running costs.
๐ก๏ธ Life Insurance Calculator
Calculate how much life insurance cover you need based on your financial obligations.
๐ฐ Lifetime ISA Calculator
Calculate your LISA bonus and growth for a first home or retirement.
๐๏ธ Pension Credit Calculator
Check Pension Credit entitlement and see passported benefits worth thousands.
๐จโ๐ง Child Maintenance Calculator
Calculate CMS child maintenance with shared care and other children adjustments.
๐ Working from Home Calculator
Claim tax relief for working from home โ flat rate or actual costs.
๐ Mileage Allowance Calculator
Calculate HMRC mileage allowance and tax relief on business miles.
๐ VAT Flat Rate Calculator
Compare VAT Flat Rate Scheme vs standard VAT and check limited cost trader status.
๐ VAT Registration Calculator
Check if you must register for VAT, analyse voluntary registration, and model pricing impact.
๐ฏ Help to Save Calculator
Calculate your 50% government bonus โ save up to ยฃ50/month, earn up to ยฃ1,200.
๐ถ Adoption Pay Calculator
Calculate Statutory Adoption Pay and plan your budget during leave.
๐๏ธ Landlord Tax Calculator
Calculate rental income tax with Section 24 mortgage interest restriction.
๐ณ Debt Consolidation Calculator
Compare consolidation options, balance transfers, and check your debt-to-income ratio.
โ๏ธ Probate Fees Calculator
Estimate probate costs, DIY vs solicitor, and estate administration timeline.
๐ Equity Release Calculator
See how much you can release, debt growth projections, and impact on inheritance.
๐ถ Childcare Cost Calculator
Free hours entitlement, Tax-Free Childcare top-up, and best scheme comparison.
๐ Pension Annual Allowance Calculator
Check your ยฃ60K AA, taper for high earners, and carry forward from previous years.
๐๏ธ State Pension Age Calculator
Find your SPA date, projected pension amount, and deferral benefits.
๐ IHT Gifts Calculator
7-year rule, taper relief, annual exemptions, and gifting strategy planner.
๐ก Mortgage Affordability Calculator
How much can you borrow, stress test your budget, and see deposit impact on rates.
๐ Rental Yield Calculator
Gross and net yield, full ROI with purchase costs, and target rent calculator.
๐ฐ Pension Lump Sum Tax Calculator
Tax on PCLS, UFPLS, emergency tax warning, and take-now vs leave strategy.
๐ Payslip Calculator
Check your payslip is correct โ tax, NI, pension, student loan, and net pay.
๐ด๓ ง๓ ข๓ ณ๓ ฃ๓ ด๓ ฟ Scottish Income Tax Calculator
6-band Scottish tax rates, Scotland vs England comparison, and full take-home pay.
๐ Pension Tax Relief Calculator
See how much the government adds to your pension โ basic, higher, and salary sacrifice.
โฐ Overtime Calculator
Overtime take-home after tax, tax band warning, and annual overtime projection.
๐ท Tax Rebate Calculator
Check if HMRC owes you money โ uniform allowance, marriage allowance, WFH relief.
๐ข Director's Loan Calculator
S455 tax on overdrawn DLA, BIK on loans, and repay vs write-off comparison.
๐ Benefit in Kind Calculator
P11D tax on health insurance, gym, and other perks โ plus tax-free benefits list.
โ๏ธ Pension vs ISA Calculator
Compare pension tax relief vs ISA flexibility, with optimal split strategy.
๐จ CIS Tax Calculator
Construction Industry Scheme deductions, annual tax position, and registration impact.
๐ฏ Savings Goal Calculator
Monthly savings needed, time to goal, and best wrapper โ ISA, LISA, or Help to Save.
๐ก๏ธ Income Protection Calculator
Cover needed after sick pay ends, deferred period impact, and IP vs CI vs SSP.
โ๏ธ Umbrella Company Calculator
Take-home pay through umbrella, waterfall breakdown, umbrella vs Ltd comparison.
๐ฌ R&D Tax Credit Calculator
Estimate your R&D tax credit under the merged scheme. Qualifying spend and cash flow impact.
โก EV Salary Sacrifice Calculator
Save 30-50% on an electric car via salary sacrifice. BIK at 3%, full comparison.
๐ง Water Bill Calculator
Estimate your water bill by region. Metered vs unmetered, usage tips to save.
๐ Pension Commutation Calculator
Trade DB pension income for tax-free lump sum. Break-even analysis and tax comparison.
๐ Flat Rate Expenses Calculator
Find your HMRC occupation allowance. 60+ occupations, backdate up to 4 years.
๐ญ Capital Allowances Calculator
AIA, full expensing, WDA schedules. Plant, machinery, cars, and buildings.
๐ฅ NHS Pension Calculator
Project your NHS pension. 2015 CARE scheme at 1/54th, contribution tiers, early retirement.
๐ Teachers Pension Calculator
TPS career average at 1/57th, contribution tiers, 28.68% employer rate analysis.
โ๏ธ Pension Sharing Calculator
Divorce pension split. CETV sharing vs offsetting, costs breakdown.
๐ด LBTT Calculator Scotland
Land and Buildings Transaction Tax. Residential bands, FTB relief, ADS for second homes.
๐ด LTT Calculator Wales
Land Transaction Tax. Welsh residential rates, higher rates for additional properties.
๐ณ Credit Card Payoff Calculator
Pay off credit card debt faster. Balance transfer savings, snowball vs avalanche.
๐ค Carer's Allowance Calculator
Check eligibility, earnings limit, and Universal Credit interaction for carers.
โฟ PIP Calculator
Personal Independence Payment rates, points guide, and linked benefits.
๐ด Attendance Allowance Calculator
Over State Pension age? Check AA rates, passported benefits, and AA vs PIP.
๐ถ Shared Parental Leave Calculator
Plan ShPL with your partner. Income comparison and leave pattern options.
๐๏ธ Council Tax Band Calculator
Check if your council tax band is correct. England, Scotland, and Wales bands.
โฐ๏ธ Pension Death Benefits Calculator
DC and DB pension on death. Tax rules, April 2027 IHT changes, BSP.
๐ Bridging Loan Calculator
Short-term property finance costs. Open vs closed, chain break analysis.
๐ Benefit Cap Calculator
Check if benefit cap affects you. London/outside rates, exemptions, escape routes.
๐ฅ Winter Fuel Payment Calculator
Check WFP eligibility. Pension Credit gateway, ยฃ35K income clawback from 2025/26.
๐ Self-Employed Expenses Calculator
Claim allowable expenses. Simplified vs actual, home office, mileage comparison.
๐ Settlement Agreement Calculator
Tax on termination payments. ยฃ30K exemption, PENP rules, negotiation guide.
๐ข Commercial Mortgage Calculator
Commercial property loan costs. Repayment vs interest-only, SDLT, rent vs buy.
๐ Pension Transfer Calculator
DB to DC transfer analysis. CETV ratio, critical yield, FCA advice requirement.
๐๏ธ Bereavement Support Payment Calculator
BSP entitlement after spouse's death. ยฃ3,500/ยฃ2,500 lump sum + monthly payments.
๐ EIS Tax Relief Calculator
EIS 30% and SEIS 50% income tax relief. CGT deferral, loss relief if it fails.
๐๏ธ Military Pension Calculator
Armed Forces pension (AFPS 2015/2005). EDP at 40, commutation, death benefits.