Simple, High-Speed Financial Calculators for the United Kingdom
Ad-light, statutory calculation engines built for UK professionals, property buyers, and businesses. Powered by current HMRC tax brackets, Scottish devolved rates, Class 1 NI rules, and Autumn Budget SDLT rates.
UK Salary & Take-Home Pay Calculator
Calculate exact take-home pay with HMRC PAYE income tax, Scottish devolved rates, 8% Class 1 NI, Student Loan Plans 1-5, and workplace pension auto-enrolment.
Stamp Duty Land Tax (SDLT) Calculator
Compute SDLT for First-Time Buyers, Home Movers, and Second Homes / Buy-to-Let with the latest 5% surcharge and Non-UK resident rules.
UK VAT Calculator (Add & Remove VAT)
Fast two-way VAT calculator to add VAT to net prices or reverse VAT from gross receipts. Includes standard 20%, reduced 5%, and zero 0% rates.
UK Mortgage & Affordability Calculator
Repayment vs Interest-Only comparison, 2/5-year fixed to SVR transitions, 10% annual overpayment savings, and amortization schedule.
UK Capital Gains Tax (CGT) Calculator
Calculate CGT for shares, crypto, buy-to-let property, and business assets (BADR) after Autumn Budget 2024 rate increases to 18% & 24%.
UK Corporation Tax & Marginal Relief
Model small profits rate (19%), main rate (25%), associated company divisors, and the 26.5% marginal tax trap.
UK Student Loan Repayment & Write-Off
Model Plans 1, 2, 4 (Scotland), 5 & Postgraduate. Project 30/40-year write-off and test voluntary overpayment traps.
UK Inheritance Tax (IHT)
Model £325k NRB + £175k RNRB, £1M spousal transfer, £2M estate tapering, and 7-year gift taper relief.
Pension Tax Relief & Allowance
Calculate 20%, 40%, 45% and 60% taper trap tax relief, £60k Annual Allowance, high earner tapering, and carry forward.
Dividend vs Salary Optimizer
Find the optimal salary (£9,100 vs £12,570) and dividend split to minimize Corporation Tax, NI, and Dividend Tax.
Explore the United States Suite
Looking for American financial calculators? Access our 9 live US tools including US Paycheck, Mortgage PITI, 401(k), and 50-State Sales Tax.
Zero-Latency In-Memory Speed
Runs 100% in client-side JavaScript. No slow server calls, no loading spinners, instantaneous results.
100% Private (No HMRC Uploads)
Your salary figures, property values, and VAT numbers never leave your device or touch a database.
A4 Statement Print Engine
Every UK calculator includes a dedicated print stylesheet for clean, watermark-free PDF statements.
UK Statutory Framework (2025 / 2026 Tax Year)
Income Tax & National Insurance
Standard Personal Allowance: £12,570 tax-free for all UK taxpayers. Tapers by £1 for every £2 of income above £100,000, creating an effective 60% marginal rate.
Class 1 National Insurance: 8% on earnings between £12,570 and £50,270 per year; 2% on earnings above £50,270.
Scottish Devolved Rates: Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%), and Top (48%).
Stamp Duty & VAT
Autumn Budget 2024 SDLT: The surcharge for additional properties, second homes, and buy-to-let rose from 3% to 5% on 31 October 2024.
First-Time Buyer Relief: Nil-rate band up to £425,000 on properties valued up to £625,000.
UK VAT: Standard 20%, Reduced 5% (domestic energy), and Zero 0% (essential food and books). Registration threshold is £90,000.