HomeCalculators

Free calculators

Work it out in a minute.

Every calculator is free and needs no account. Nothing is saved unless you ask.

Quick picks

Three to start with.

Savings interest

What your savings could earn in a year, before tax.

Work it out Stamp Duty

Stamp Duty in England, and the Scottish and Welsh versions.

Work it out Your pension

What your pension could be worth, and what it could pay.

Work it out

By life moment

Every calculator, grouped by what is happening.

Pay and tax

What lands in your account, and the tax on what you earn and save.

Take-home payYour pay after tax, National Insurance, pension and student loan.
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Salary sacrificeWhat paying into a pension through salary sacrifice changes.
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Tax on your interestWhether your savings interest goes over your allowance.
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Student loan repaymentWhat you repay each month, and when it could end.
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Capital Gains TaxThe tax on selling shares or a second home.
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Salary or dividendsHow a company director could take their pay.
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Saving

What your money could earn, and what keeps it to hand.

Savings interestWhat your savings could earn in a year, before tax.
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Cash ISA or savingsWhich could leave you more after tax.
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Premium BondsWhat your bonds could win in a typical year, beside an easy access rate.
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Emergency fundHow many months of your costs your savings cover.
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Net worthWhat you own and owe, as one figure.
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Your home

Buying, renting and the mortgage.

Mortgage affordabilityWhat lenders might lend on your income.
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Stamp DutyStamp Duty in England, and the Scottish and Welsh versions.
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Rent or buyHow renting and buying compare over the years.
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Overpay, save or investWhere spare money each month could do more.
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Family

A baby, childcare and going back to work.

Maternity payStatutory Maternity Pay, week by week.
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Having a babyWhat changes to your money in the first year.
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Tax-Free ChildcareThe £2 the government adds for every £8 you pay.
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Back to work after a babyWhat childcare leaves you each month.
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Later life

Pensions and when you could stop.

Your pensionWhat your pension could be worth, and what it could pay.
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Employer matchWhat your employer adds if you pay more in.
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Pension tax reliefWhat the government adds to what you pay in.
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Retire earlyHow long your money could last if you stop sooner.
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Debts

Clearing what you owe.

Debt payoffHow fast your debts could clear, and which ones cost most.
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These are calculations for information, not advice. Tax figures use 2026/27 rates.

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