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.

Salary & tax

Take-home pay calculatorIncome tax, National Insurance, pension and student loan from your salary.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.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.

Property

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.Buy-to-let CGT calculatorCapital Gains Tax on selling a rental or second property, from sale & purchase prices.

Savings & benefits

Savings calculatorCompound growth, interest and a savings-goal mode.Pension calculatorProjected pot and estimated retirement income.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 working more?See how extra hours change your UC and total income.