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174 tools for United Kingdom, grouped by the job they do. Search by name or goal, or filter by topic.

174 calculators

Business13

Break Even AnalysisFind the break-even point where revenue covers total costs. Enter fixed costs, variable costs and unit price to see how many sales you need to profit.Break-EvenCalculate units or revenue needed to cover all costs and break even. Enter fixed costs, variable costs per unit and selling price to find your break-even point.Cash FlowCalculate net cash flow by totalling inflows and outflows. Track whether your business or household generates a positive or negative cash position each period.CIS DeductionEstimate UK Construction Industry Scheme deductions at 20% (registered) or 30% (unregistered) on the labour element of a subcontract payment.Cost Per UnitCalculate the cost per unit of any product by dividing total costs by quantity produced. Use this to set competitive prices and maintain healthy profit margins.Dividend vs SalaryCompare an illustrative 2026/27 salary-and-dividends extraction from company profit, including employer NI, Corporation Tax and personal taxes.Employee CostCalculate the true total cost of an employee including employer NI, pension contributions and benefits.Hourly RateCalculate the minimum hourly rate you need to charge as a freelancer to hit your income goal.Invoice TotalsCalculate invoice totals including subtotal, VAT and discounts applied. Quickly work out what to charge clients and produce accurate figures for your invoices.IR35Estimate an illustrative 2026/27 deemed employment payment using a daily rate, 5% flat deduction and standard PAYE and NI assumptions. Check the rules for your engagement.MarkupCalculate the selling price and profit margin from cost and markup percentage. Find the right markup to hit your target profit on any product.Profit MarginCalculate gross, operating and net profit margins from revenue and cost figures. See how efficiently your business converts sales into profit at each level.VATCalculate VAT at the standard, reduced or zero UK rate. Add VAT to a net price or remove VAT from a gross price to find the correct tax amount quickly.

Cars & Transport8

Car DepreciationCalculate how much your car will depreciate over time. See future value and total loss.Car Finance ComparisonCompare illustrative UK HP-style and PCP-style monthly payments and total cost to own using the price, deposit, APR, term, fees and optional final payment you enter.Car InsuranceEstimate your annual car insurance cost based on vehicle value, age, and claims history.Car LoanCalculate UK car finance and loan repayments, total interest, and borrowing cost. Compare deposits, APRs, and terms before you apply.Car Running CostCalculate total annual car running costs including fuel, insurance, depreciation and servicing.Electric vs PetrolCompare annual running costs of electric vs petrol cars based on your mileage and energy prices.EV Charging CostCalculate electric car charging costs per charge, per month and per mile at home or public chargers.Fuel CostCalculate annual fuel costs based on your mileage, MPG, and fuel price per litre.

Education2

Everyday Life10

AgeCalculate your exact age in years, months, days and weeks. Enter your date of birth to find out precisely how old you are today.Bill SplitterSplit any bill fairly among friends, family or colleagues. Enter the total amount and number of people to calculate each person's share, including optional tip.Childcare CostCalculate annual and monthly childcare costs after free hours entitlement and Tax-Free Childcare savings.Date DifferenceCalculate the exact difference between two dates in years, months, weeks and days. Find how long until an event or how much time has passed since any past date.Holiday CostCalculate total holiday costs including flights, hotel, and spending money for any number of people.Split BillSplit a restaurant bill equally between any number of people, with or without a tip.Temperature ConverterConvert temperatures between Celsius, Fahrenheit and Kelvin in one click. Accurate temperature conversion for cooking, science, weather and travel planning.Unit ConverterConvert between units of length, weight, volume, speed, area and more. Fast and accurate unit conversion for everyday tasks, cooking, science and engineering.UTC Offset ConverterConvert an hour between manually entered fixed UTC offsets. Shows midnight day changes; does not look up daylight saving or named time zones.Wedding BudgetPlan your wedding budget with a recommended breakdown by venue, catering, photography and more.

Everyday Maths4

Health & Fitness9

BMICalculate your Body Mass Index using height and weight to assess whether you are underweight, healthy, overweight or obese using standard BMI classifications.BMRCalculate your Basal Metabolic Rate to find the calories needed at rest each day. Use BMR to set a calorie target for weight loss, maintenance or muscle gain.Body FatEstimate body fat percentage using waist, hip and neck measurements. Understand your body composition and track progress toward your health and fitness goals.CalorieCalculate your daily calorie needs for maintenance, weight loss, or weight gain.Heart Rate ZoneCalculate personalised heart rate training zones using the Karvonen method. Find your fat burn and aerobic zones.Ideal WeightCalculate your ideal weight range based on height and healthy BMI. Find your target weight.Macros SplitCalculate your daily macronutrient split of protein, carbohydrates and fat based on your calorie goal. Plan your diet to support weight loss or muscle gain.Running PaceCalculate running pace per km and per mile from your distance and time. Convert between pace and speed.Water IntakeCalculate your recommended daily water intake based on weight and activity level.

Household & Energy7

Electricity CostCalculate your electricity costs per day, month and year based on your usage and unit rate.Energy BillCalculate your total annual energy bill combining gas and electricity usage, unit rates and standing charges.Energy Price CapEstimate a Great Britain direct-debit bill using Ofgem’s average 1 October to 31 December 2026 cap rates, or compare the unit and standing charges on a fixed tariff.Gas BillCalculate your monthly and annual gas bill from your daily usage, unit rate and standing charge.Home Energy Upgrade ComparatorCompare solar, battery, heat-pump, insulation or other quotes using net cost, bill savings, maintenance, degradation, payback and NPV.Solar Panel SavingsCalculate solar panel savings, payback period and 10-year return based on your system size and energy prices.Water BillEstimate a 2026/27 England and Wales water and wastewater bill from Water UK company averages, or scale last year’s bill by the published increase.

Investing & Savings14

AnnuityCalculate annuity payments, present value and future value for fixed income streams. Estimate how much regular income your pension or investment will generate.Compound InterestCalculate how compound interest grows savings or increases debt over time. Enter principal, rate, compounding frequency and term to project your final balance.Dividend YieldCalculate the dividend yield of a stock by dividing the annual dividend by the share price. Assess income potential before investing in dividend-paying shares.Future ValueCalculate the future value of an investment or savings plan with compound interest. Enter the principal, rate, compounding frequency and time to project growth.Index FundProject index fund investment growth with lump sum and regular contributions. See long-term compound returns.Investment ReturnCalculate simple investment profit, total return, and annualised return from a starting value, ending value, and holding period.ISAProject UK ISA growth from a starting balance, monthly contributions, return, and term. Compare contributions, growth, and any allowance excess.Pension Drawdown Stress TesterStress-test how long a pension drawdown pot may last after tax-free cash, inflation-linked withdrawals, investment charges and an early market fall.Present ValueCalculate the present value of a future cash flow discounted at a given interest rate. Understand what a future sum or annuity stream is worth in today's money.Retirement SavingsCalculate how much you will have at retirement based on your savings and contributions.SavingsCalculate how your savings will grow with regular deposits and compound interest. Enter your balance, monthly contribution and rate to project future savings.Savings GrowthCalculate how your savings grow over time with regular contributions and compound interest. Project your future balance to plan for any savings goal.SIPPCalculate SIPP pension pot growth with tax relief. Project your retirement fund from annual contributions.State PensionIllustrate the 2026/27 full new State Pension rate using qualifying years. Your GOV.UK forecast, not this tool, confirms your entitlement.

Loans & Debt1

Money & Finance48

APR to APYConvert APR to APY to understand the true annual return when interest compounds. See how compounding frequency affects the effective yield on savings or loans.Bill Priority TriageA local-only UK bill-priority guide for rent, mortgage, Council Tax, energy, tax, credit and other payments—focused on missed-payment consequences and early help.Bridging LoanCalculate bridging loan costs including monthly interest, arrangement fees and total cost of borrowing.Buy-to-Let YieldCalculate gross and net yield on a UK buy-to-let property. Factor in rental income, purchase costs and expenses to assess whether the investment stacks up.Car Finance Settlement & Refinance PlannerCompare remaining car-finance payments with a provider settlement figure, vehicle valuation and replacement quote without hiding negative equity or fees.Cost of UniversityEstimate total university costs including tuition, accommodation, and living expenses.Credit Card 0% Expiry & Balance Transfer PlannerPlan a 0% balance transfer with the transfer fee, promotional months, payoff payment, estimated balance at expiry and entered post-promotion APR.Credit Card PayoffCalculate how long it takes to pay off a credit card and see total interest costs.Currency ConverterConvert amounts between major world currencies using current exchange rates. Find the equivalent in any currency for travel, business or international payments.Debt ConsolidationCalculate potential savings from consolidating high-interest debts into a lower-rate loan.Deposit SavingsCalculate how long it will take to save a house deposit based on your monthly savings and interest rate.DiscountCalculate the final price after a percentage or fixed discount. Enter the original price and discount amount to find out exactly how much you save.Early Repayment SavingsCalculate interest saved by making early or overpayments on your mortgage or loan. See how extra payments reduce your balance and shorten your repayment term.Emergency Fund Runway PlannerEstimate how many months an accessible emergency pot could cover after reliable income, essential spending, immediate costs and support entered.Equity ReleaseCalculate how much equity you could release from your home and the total rolled-up interest owed.Financial Check-In & Action PlannerA local-only guided financial check-in for household cash flow, commitments, documents and upcoming changes, with one practical next action.First-Time Buyer Cash-to-Complete PlannerAdd your deposit, legal, survey, moving and other costs to see the cash you still need before property tax. A planning tool, not a mortgage decision.First-Time Buyer Stamp DutyEstimate first-time buyer SDLT in England and Northern Ireland, including the £300,000 nil-rate, the £500,000 cliff, and when relief is withdrawn.Fixed vs Variable MortgageCompare fixed-rate and variable-rate mortgages side by side. See total interest and monthly repayments under each option to choose the right mortgage type.Free Childcare Hours & Tax-Free ChildcareEstimate England 30 hours funded childcare from 9 months (from Sep 2025), 15 universal hours for 3–4 year olds, 38 vs 52-week stretched, and Tax-Free Childcare.Gross to NetConvert gross salary to net take-home pay after income tax and National Insurance. Enter your annual gross to see what lands in your bank account each month.Holiday EntitlementCalculate your statutory holiday entitlement in days and hours. Based on UK Working Time Regulations — 5.6 weeks capped at 28 days.Home AffordabilityCalculate how much house you can afford based on income, deposit and outgoings. Estimate the maximum mortgage and property price that fits your finances.Home InsuranceCalculate estimated home insurance costs based on property value and risk factors.Hourly to Take-Home PayConvert your hourly rate to weekly and annual take-home pay after UK income tax and National Insurance. Supports standard, BR, and 0T tax codes.Household Budget & Bill Calendar PlannerBuild a local-only household budget with weekly, monthly and annual bills, essential-cost coverage, sinking funds and a visible savings target.InflationCalculate how inflation erodes purchasing power over time. Enter an amount and time period to see what today's money was worth in the past or future.Interest-Only MortgageEstimate UK interest-only mortgage payments and total interest. See the unchanged capital due at the end and compare a repayment mortgage.Irregular Income & Sinking Fund PlannerPlan a household budget around a quieter income month, predictable annual costs, a monthly sinking fund and an accessible cash buffer.LBTT Calculator ScotlandEstimate Land and Buildings Transaction Tax for a home in Scotland, including first-time buyer relief and Additional Dwelling Supplement.Lifetime ISA PlannerPlan Lifetime ISA contributions, the 25% government bonus and a simple savings projection. Check the UK eligibility rules separately before relying on it.Loan RepaymentEstimate monthly loan repayments and total interest from amount, rate and term. Use your local currency; this is a planning figure, not a credit offer.LTT Calculator WalesEstimate Land Transaction Tax for a home in Wales using the main residential table or the separate higher rates. Wales has no first-time buyer relief.Mortgage AffordabilityEstimate UK mortgage affordability from household income, monthly expenses, interest rate, and term. Stress-test borrowing before applying.Mortgage AmortizationGenerate a full mortgage amortization schedule showing monthly principal and interest. See how your balance reduces over the entire term of your home loan.MortgageEstimate mortgage repayments, total interest and LTV from loan amount, rate and term. A planning figure — not a lender illustration.Mortgage OverpaymentSee how extra monthly payments or a lump sum cut years and interest off a UK mortgage. Compare overpaying with keeping the cash.Net to GrossConvert net take-home pay back to gross salary before tax and National Insurance. Find out what gross income you need to achieve a desired net pay amount.Occupational Maternity PayEstimate 2026/27 Statutory Maternity Pay and optional occupational top-up. Use this when your employer pays more than SMP; use the statutory-only tool for a pure SMP schedule.OvertimeCalculate overtime pay based on your hourly rate and hours worked beyond your standard week. Find out how much extra you earn for working additional hours.Paternity LeaveCalculate your Statutory Paternity Pay for 2026/27. See your weekly entitlement and how Shared Parental Leave could give you more paid time with your new baby.Personal Loan CostEstimate monthly payments on a personal loan from £5,000 to £100,000. Compare 1–10 year terms and total interest before you apply.RefinancingCalculate potential savings from refinancing your mortgage to a lower rate. Compare your current monthly payment and total cost against a new refinancing deal.Second Home Stamp DutyCalculate stamp duty on second homes and buy-to-let properties including the 5% additional property surcharge.Simple InterestCalculate simple interest earned or owed on a loan or deposit. Enter the principal, annual interest rate and term in years to find the total interest amount.Stamp DutyEstimate SDLT for a home in England or Northern Ireland, including first-time buyer relief and additional-property rates.Statutory Maternity PayStatutory-only 2026/27 SMP estimate: 90% of average weekly earnings for six weeks, then the lower of £194.32 or 90% of earnings to week 39. No occupational enhancement.Student Loan PayoffEstimate a fixed monthly student-loan repayment from balance, interest rate and term. For UK Plan 1/2/4/5 income-contingent deductions, use the Student Loan Calculator instead.

Property & Mortgages24

Buy-to-Let Post-Tax Cash-FlowEstimate individual-landlord buy-to-let cash flow after voids, expenses, mortgage payments, Income Tax and residential finance-cost relief.Buy-to-Let ROICalculate rental profits and return on investment for buy-to-let property investments.Capital GrowthCalculate the capital growth of a property or investment over a set period. Enter purchase price, annual growth rate and years held to project the future value.Closing CostsEstimate closing costs when buying a property, including legal fees, surveys and stamp duty. Budget for the total upfront cost of completing a home purchase.Council TaxEstimate your council tax bill by band and region using 2026/27 average Band D rates for England, London, Wales and Scotland. Includes single-person and other common discounts.First-Time Buyer Mortgage Stress TestCheck a first-home mortgage payment, regular home costs, monthly cash buffer, upfront cash and a higher-rate scenario before setting a property budget.House Price GrowthProject your UK property value over 5 to 25 years. Enter your home's current value and an expected annual growth rate to see future value, total gain, and equity growth.Landlord ProfitCalculate monthly and annual landlord profit after mortgage, agent fees, maintenance and insurance.Lease vs BuyCompare the total cost of leasing versus buying a car or asset. Enter lease terms, purchase price and finance rate to find the most cost-effective option.Mortgage Deposit & LTV Goal PlannerCalculate the deposit needed for a selected mortgage LTV milestone and estimate the time to reach it using your current savings and monthly contribution.Mortgage Overpayment vs Savings PlannerCompare mortgage overpayments with saving the same monthly cash, including interest avoided, an entered ERC, liquidity context and an LTV milestone.Mortgage Rate Shock PlannerStress-test mortgage payments when a fixed deal ends using your balance, remaining term, entered future rate and monthly housing budget.Mortgage vs RentCompare the total cost of buying with a mortgage versus renting long-term. Factor in house price growth, rent increases and investment returns to decide wisely.Moving House True-Cost PlannerEstimate sale equity, buying and selling fees, property tax, mortgage funding and the cash gap or surplus when moving home in the UK.Property Flipping ProfitCalculate profit and ROI on property flipping projects including renovation costs.Property TaxCalculate property tax owed based on assessed value and local tax rates. Estimate your annual bill to budget accurately for the cost of owning real estate.Remortgage True-Cost & Break-EvenCompare a current mortgage with a new deal using payments, product fees, ERCs, cashback, remaining balance and the month switching may break even.Rent IncreaseCalculate the new monthly rent after a percentage increase and see the extra monthly and annual cost.Rent Stay vs Move PlannerCompare the cost of staying in a rental home with moving, including monthly rent, one-off move costs and the temporary deposit cash gap.Rent vs BuyCompare the long-term cost of renting versus buying a home. Enter property price, rent, mortgage rate and duration to see which option suits you best.Rental YieldCalculate gross and net rental yield on a buy-to-let property. Enter purchase price, annual rent and costs to see whether an investment property stacks up.Right to BuyCalculate your Right to Buy discount and purchase price for your council or housing association home. Find out how much discount you qualify for based on years as a tenant.ROICalculate return on investment as a percentage of your initial outlay. Enter net profit and investment cost to measure efficiency of any business decision.UK Rent Affordability PlannerCompare rent with your take-home pay, essential spending, debt payments and a safety buffer. A personal budgeting view, not landlord eligibility advice.

Salary & Work5

Job Offer & Total Compensation ComparatorCompare two UK job offers after tax, NI, pension, student loan and work costs, with employer pension, benefits and paid leave shown separately.Parental Leave Household-Income TimelineBuild a 12-month parental-leave cash-flow timeline using employer or statutory pay phases, household costs, return-to-work pay and childcare.Pay Rise, Bonus & Salary Sacrifice PlannerCompare current and proposed UK pay, an expected cash bonus and pension salary sacrifice using 2026/27 Income Tax and employee NI assumptions.Return-to-Work After ChildcareEstimate the monthly financial gain from returning to work after Income Tax, NI, pension, student loan, childcare, travel and potential Tax-Free Childcare.Simple Payroll DeductionApply flat Income Tax, employee NI and pension percentages to gross salary for a quick net-pay sketch. Not a full PAYE band calculator — use Salary After Tax for progressive UK rates.

Tax29

Adjusted Net Income Threshold ExplorerEstimate adjusted net income, Personal Allowance taper, Child Benefit charge and distance from the £60,000 and £100,000 UK thresholds.Capital Gains TaxCalculate UK Capital Gains Tax (CGT) for 2026/27 on property or shares. Includes the £3,000 annual exempt amount and the correct rates for basic and higher rate taxpayers.Child BenefitEstimate 2026/27 Child Benefit and the High Income Child Benefit Charge using the £60,000–£80,000 adjusted-net-income taper.Company Car BIKEstimate 2026/27 UK company-car benefit-in-kind tax from P11D price and BIK percentage. Zero-emission cars use 4%; enter HMRC’s published percentage for other cars.Corporation TaxCalculate corporation tax on company profits including marginal relief for profits between £50,000 and £250,000.DeductionsCalculate total deductions from gross income including tax, National Insurance and pension contributions. See exactly what comes out of your pay each month.Dividend TaxEstimate 2026/27 UK tax on dividends alongside employment salary, including the £500 allowance, Personal Allowance taper and current dividend rates.Hourly to SalaryConvert an hourly wage to an annual salary or annual pay to an hourly rate. Compare earnings across different pay structures to evaluate job offers accurately.Income TaxCalculate income tax across all bands. Enter your personal allowance for your country.Inheritance TaxEstimate UK Inheritance Tax (IHT) on an estate for 2026/27. Includes nil rate band, residence nil rate band, and the charity exemption for the reduced 36% rate.Marriage AllowanceCheck if you qualify for Marriage Allowance and calculate your tax saving. Married couples and civil partners could save up to £252 per year.National InsuranceEstimate Category A employee National Insurance contributions using the 2026/27 weekly thresholds and rates.Overtime PayCalculate overtime earnings with any multiplier — time-and-a-half, double time, and more.Pension Annual Allowance CheckerCheck a simple 2026/27 UK pension annual-allowance planning figure, including the stated taper thresholds and an entered carry-forward amount.Pension ContributionCalculate how much to contribute to your pension to reach your retirement income goal. Model employer contributions, tax relief and growth to plan retirement.Pension Lump SumEstimate a UK pension lump sum: 25% tax-free up to the remaining lump sum allowance (£268,275 standard), with tax on the rest at the rate you enter.Pension Tax ReliefCalculate your pension tax relief for 2026/27. Find out how much HMRC adds to your pension contributions at basic, higher, and additional rate.Redundancy PayEstimate UK statutory redundancy pay from age, service and weekly pay, using the £751 weekly cap for redundancies on or after 6 April 2026.Rental Income Tax Calculator (UK)Calculate how much income tax you owe on UK rental income. Accounts for allowable expenses, your personal allowance, and 2026/27 tax bands.Salary After TaxCalculate your take-home pay after income tax and national insurance or social security.Salary SacrificeCalculate how much tax and National Insurance you save through salary sacrifice. Works for pension, EV car schemes, cycle to work and more.Scotland Income TaxEstimate Scottish take-home pay for 2026/27 using all six income-tax bands, UK National Insurance, salary sacrifice and student-loan deductions.Self Assessment Tax Payment CalendarPlan an entered Self Assessment tax bill, balancing payment and payments on account across the next 31 January and 31 July deadlines.Self-Employed Records & Deadline ChecklistA local-only UK checklist for self-employed records, tax-profit forecasting and the recurring 5 October, 31 October, 31 January and 31 July Self Assessment cycle.Self-Employed TaxEstimate 2026/27 Income Tax and Class 4 National Insurance on UK sole-trader profit. Personal pension input uses relief-at-source assumptions; voluntary Class 2 is excluded.Self-Employed Tax Set-Aside PlannerEstimate a monthly UK tax reserve, Class 4 NI, balancing payment and January and July payments-on-account cash targets for 2026/27.Student Loan RepaymentEstimate annual and monthly UK student-loan deductions for 2026/27 Plans 1, 2, 4 and 5. Test an interest assumption and see the model’s repayment horizon.Taxable Savings InterestEstimate 2026/27 UK tax on taxable savings interest using the selected tax band and Personal Savings Allowance; ISA interest is excluded.Universal CreditEstimate Universal Credit for 2026/27 using published standard allowances, child and LCWRA elements, housing costs you enter, the work allowance and 55% taper. Planning only — not a DWP award.

Start from a goal

Short collections for the decisions people search for.

Browse a journey

Calculators that belong together: borrow, then tax, then the monthly figure.

Start with a journey

Follow a short sequence when one answer depends on the next.

Seasonal planning

Use these when a UK tax-year or Self Assessment date is approaching.

UK Tax Year-End Planning Checklist

A cautious UK tax-year-end planning checklist for reviewing pay, pension, ISA and taxable savings assumptions before 5 April, using current records and official guidance.

Self Assessment Deadline Planning Checklist

A UK seasonal checklist for organising Self Assessment records, checking the usual October, January and July dates, and planning an entered tax-payment cash flow.

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