United Kingdom calculators
Plan work, childcare, savings and household costs with tools that state which UK nations and rules they support. Start with your own figures and compare practical scenarios.
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Childcare Cost and Support Planner
Plan childcare costs after supported funded hours and Tax-Free Childcare. See uncovered hours, extras and the amount your family may need to pay.
Open calculator PensionsPension Salary Sacrifice Comparison
Compare pension salary sacrifice, net pay and relief-at-source contributions. See estimated take-home impact and pension funding using the selected tax year.
Open calculator SavingsSavings Interest Tax Calculator
Estimate tax on savings interest, including your share of joint accounts and available allowances. Keep ISA interest separate from taxable savings.
Open calculator SavingsISA Allowance and Savings Planner
Track ISA subscriptions and estimate remaining allowance for the tax year. Separate transfers, Lifetime ISA limits and eligible flexible replacements.
Open calculator FamilyMaternity Pay Timeline Planner
Plan a maternity-pay timeline with statutory pay and confirmed employer top-ups. See gross pay by period and where household income may change.
Open calculator HomeCouncil Tax Discount and Instalment Planner
Estimate a council tax bill after a confirmed discount and plan remaining instalments. Supports England and Wales with your council's annual charge.
Open calculator HomeEnergy Tariff Cost Comparison
Compare energy tariffs using your consumption, unit rates and standing charges. Include switching fees and see estimated costs on the same usage basis.
Open calculator TravelRail Season Ticket Break-Even Calculator
Compare daily rail tickets, seasons and supported Flexi tickets using your actual travel dates. See break-even days and unused ticket coverage.
Open calculator RentingEngland Tenancy Deposit Cap Calculator
Check the tenancy and holding-deposit caps for supported England tenancies. Convert rent correctly and compare a requested deposit with the calculated cap.
Open calculator WorkHoliday Entitlement Calculator
Regular and irregular leave quantities for supported Great Britain patterns.
Open calculator Pay & taxUK Take-Home Pay Calculator 2026/27
Income Tax, NI, pension and student-loan deductions.
Open calculator Pay & taxSelf-Employed Tax Calculator
Estimate sole-trader Income Tax and Class 4 NI.
Open calculator ContractorsIR35 & Contractor Take-Home Calculator
Compare outside-IR35 and umbrella scenarios.
Open calculator BusinessUK Employer Cost Calculator
Salary, employer NI, pension, benefits and overhead.
Open calculator HomeStamp Duty, LBTT & LTT Calculator
Property tax for England/NI, Scotland and Wales.
Open calculator HomeUK Mortgage & Affordability Calculator
Repayment, interest-only and rate-stress scenarios.
Open calculator HomeMortgage Overpayment Calculator
Estimate time and interest saved by overpaying.
Open calculator Student financeUK Student Loan Repayment Calculator
Plans 1, 2, 4, 5 and postgraduate loans.
Open calculator WorkStatutory Redundancy Pay Calculator
Age, service and capped weekly-pay estimate.
Open calculator BusinessUK VAT Calculator
Add, remove and compare flat-rate VAT.
Open calculatorChoose a starting point
Start with take-home pay to understand your income, then compare borrowing costs, housing payments or retirement contributions. Use the same income period and assumptions when comparing results.
How to check an estimate
Each calculator explains its inputs and limitations. Check the applicable year and official sources on the tool page. Tax, lender and employer decisions may use details outside the model.