Free UK money calculators

Work out your take-home pay, pension tax relief, Stamp Duty, LBTT or LTT, mortgage repayments and VAT in seconds. Figures follow the official rules for the 2026/27 tax year, with links to sources such as HMRC and GOV.UK.

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Tax & Pay

Take-Home PaySalary after Income Tax, NI, student loan and pension Hourly to SalaryHourly, weekly, monthly and yearly pay, plus take-home Pro Rata SalaryPart-time or part-year pay and holiday Minimum WageNational Living Wage and NMW pay by age from April 2026 Salary SacrificeTax and NI saved on pension contributions Student Loan RepaymentRepayments for Plan 1, 2, 4, 5 and Postgraduate loans Marriage AllowanceWhether it saves you tax, and what backdating adds High Income Child Benefit ChargeThe charge on incomes of £60,000 to £80,000, and how to avoid it Statutory Sick PayWeekly SSP from day one, with no minimum earnings level Maternity PayStatutory Maternity Pay week by week for 39 weeks Redundancy PayStatutory pay from your age, service and weekly pay Holiday EntitlementStatutory annual leave in days or hours

Property

Mortgage RepaymentMonthly repayments and total interest Stamp DutySDLT for movers, first-time buyers and second homes Mortgage AffordabilityHow much you could borrow and the monthly repayment Inheritance TaxNil-rate bands, home allowance and 40% tax LBTT (Scotland)Scottish property tax with first-time buyer relief and ADS LTT (Wales)Welsh property tax at main and higher rates

Savings

Savings Interest TaxTax on savings interest and your allowance Dividend TaxTax on dividends after the £500 Dividend Allowance Capital Gains TaxTax on shares and property with the £3,000 allowance Pension Tax ReliefRelief at source, net pay and higher-rate relief

Motoring

Fuel CostJourney cost from miles, MPG and pence per litre Car Tax (VED)Vehicle tax by CO2, list price and fuel type Mileage AllowanceHMRC mileage rates and tax relief on the shortfall

Business & VAT

VATAdd or remove VAT at 20% or 5% Self-Employed TaxIncome Tax and Class 4 NI on sole trader profit

How we check the numbers

  • Official sources, clearly dated: tax rates, thresholds and limits are checked against government and regulator publications, and every page shows the date its figures were last checked.
  • Tested before publishing: the Everyday Money Calc team checks each calculator against a separate test sheet with at least three worked examples before it goes live.
  • Updated when the rules change: when a budget or a rate changes, we update the numbers and the date, and we review every calculator at least once a year.
  • Ads never change the results: if we show ads, they are kept separate from calculator results, and we don’t take payment to recommend loans, credit cards or insurance.
  • Found a number that looks wrong, or need a calculator we don’t have yet? Let us know.

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