UK tax & money calculators

Every free PayCalc UK calculator in one place — all on 2026/27 rates. Pick a tool to get a clear, instant estimate.

Data & reports

UK Salary After Tax Report 2026/27Downloadable salary after-tax CSV, charts, benchmarks and Scotland comparison from £15k to £150k.

Salary & tax

See the full Salary & tax section →

Take-home pay calculatorIncome tax, National Insurance, pension and student loan from your salary.
Salary after taxWhat any salary is worth after tax — £20k to £150k take-home, ready-made.
Two jobs tax calculatorCombined take-home from two jobs, the BR second-job code and per-job NI.
Bonus tax calculatorHow much of a bonus you keep — cash versus pension sacrifice.
Redundancy pay calculatorTake-home value of a redundancy package — the £30k exemption, PILON and holiday tax.
Self-employed tax calculatorIncome tax and Class 4 NI on sole-trader profit, with payments on account.
Dividend tax calculatorTax on dividends with the £500 allowance and the 2026/27 rates.
Capital Gains Tax calculatorCGT on shares and property with the £3,000 allowance and 18%/24% rates.
Inheritance Tax calculatorEstimate IHT with the nil-rate bands, spouse transfers and the 40% / 36% rates.
Company car tax calculatorBenefit-in-Kind by P11D, CO₂ and fuel type — 4% for electric cars.
Salary sacrifice car calculatorThe real take-home cost of an electric or company car through salary sacrifice.
Crypto tax calculatorCapital Gains Tax on selling, swapping or spending cryptocurrency.
VAT calculatorAdd or remove VAT at 20%, 5% or any rate, with a net / VAT / gross breakdown.
Scottish income tax calculatorTake-home pay using the Scottish income tax bands.
Child Benefit calculatorHow much Child Benefit you get and the High Income Charge.
Marriage Allowance calculatorSee if transferring allowance saves you tax as a couple.
Couple Marriage AllowanceBoth incomes in, household saving out — who transfers and how much you save.

Salary & tax guides

Property

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Mortgage calculatorMonthly repayments, total interest, affordability and buying costs.
Mortgage overpayment calculatorSee how overpaying cuts your term and interest.
Stamp duty calculatorSDLT, LBTT and LTT for England, Scotland and Wales.
First-time buyer stamp dutyStamp duty with first-time buyer relief applied.
Stamp duty calculator WalesLand Transaction Tax (LTT) on a Welsh property — main and higher rates.
Stamp duty calculator ScotlandLand and Buildings Transaction Tax (LBTT) — rates, FTB relief and the 8% ADS.
Rental yield calculatorGross and net yield and cash-on-cash return on a buy-to-let.
Buy-to-let CGT calculatorCapital Gains Tax on selling a rental or second property, from sale & purchase prices.

Property guides

Savings & benefits

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Universal Credit calculatorEstimate your monthly UC award on 2026/27 rates.
UC if self-employedHow the Minimum Income Floor affects UC for the self-employed.
Better off in work calculatorReal change in household income after tax, NI and the UC taper.
Savings calculatorCompound growth, interest and a savings-goal mode.
Pension calculatorProjected pot and estimated retirement income.

Savings & benefits guides

Borrowing & debt

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Loan repayment calculatorMonthly payments, total interest and cost of a personal loan.
Loan early repayment calculatorInterest saved and months cut by overpaying a personal loan.
Credit card payoff calculatorHow long to clear a card — and the minimum-payment trap.
Car finance calculatorPCP and HP monthly payments, balloon and total cost.
Hire purchase calculatorHP monthly payments and total cost to own — no balloon.
Balance transfer calculatorIs a 0% transfer worth the fee? Savings and break-even.

Borrowing & debt guides