Mortgages
Compare repayments, terms, deposits, LTV targets, remortgage fees and interest-rate scenarios.
Browse mortgages →Make sense of your money, home and everyday costs with 205 free UK calculators. From your next payday to your first mortgage, start with your numbers and see the workings.
Estimate net annual and monthly employment pay.
Tax & paySee what your home loan could cost each month.
MortgagesCalculate SDLT, Scottish LBTT or Welsh LTT by country.
Home & propertyWork out annual Income Tax using the right UK country bands.
Tax & paySee how regular saving can add up over time.
Money & savingsEstimate repayments for Plans 1, 2, 4, 5 and postgraduate loans.
Tax & payAdd VAT to a net price or remove it from a gross price.
Work & businessEstimate gross payments for eligible children.
Family & benefitsEstimate a trip using UK miles and imperial MPG.
Car & travelFind out what an appliance costs to run.
Home & energyExplore monthly payments and the total cost of borrowing.
Money & savingsTurn a property price into a clear deposit target.
Home & propertyUnderstand what is left after your everyday spending.
Cost of livingConvert an hourly rate into weekly and annual gross pay.
Work & businessFind a percentage, a discounted price or an increase.
EverydayEstimate category A employee contributions.
Tax & payEstimate Income Tax and Class 4 NI on annual profits.
Tax & payEstimate tax on dividends alongside salary or pension income.
Tax & payEstimate CGT using gains, losses and your remaining basic band.
Tax & paySee how much interest may be covered by UK allowances.
Tax & payConvert a personal pension payment into its gross contribution.
Pensions & retirementCompare take-home pay before and after a pension sacrifice.
Pensions & retirementEstimate the charge using the higher earner’s adjusted net income.
Family & benefitsEstimate the couple’s net benefit from transferring an allowance.
Family & benefitsWork out a government bonus within the annual LISA limit.
Money & savingsTrack contributions against the current adult ISA allowance.
Money & savingsEstimate the standard or tapered pension input allowance.
Pensions & retirementIllustrate estate tax using the standard nil-rate band.
Pensions & retirementEstimate government support for one eligible child over three months.
Family & benefitsEstimate gross earnings at the statutory hourly minimum.
Work & businessEstimate annual employer NI for a standard adult employee.
Work & businessCalculate approved employee mileage amounts for an owned vehicle.
Car & travelSee what a qualifying donation is worth to a charity.
Family & benefitsEstimate statutory days for a regular working week.
Work & businessConvert a full-time salary to your contracted hours.
Work & businessWork out extra gross pay for overtime hours.
Work & businessEstimate interest payments and the capital still due.
MortgagesSee the effect of a fixed extra monthly mortgage payment.
MortgagesFind the share of your property funded by the mortgage.
MortgagesCompare gross and operating rental yields.
Home & propertyEstimate rental income left after monthly outgoings.
Home & propertyProject a lump sum at a fixed annual return.
InvestmentsFind the monthly contribution needed to reach a target.
Money & savingsTurn essential spending into a personal savings target.
Money & savingsEstimate repayment time with a fixed monthly payment.
Money & savingsCompare a card payment with an extra monthly amount.
Money & savingsConvert a monthly interest rate into an effective annual rate.
InvestmentsCompare two packs using the same measurement unit.
EverydayFind the sale price after one percentage discount.
EverydayEstimate charging cost with your tariff and charging losses.
Car & travelExplore a borrowing limit from household income and a chosen lender multiple.
MortgagesFind the repayment time implied by a loan, fixed rate and monthly payment.
MortgagesEstimate a repayment mortgage balance after a chosen number of payments.
MortgagesWork out how long monthly payment savings take to recover switching costs.
MortgagesCompare payments on the same balance and remaining term at two interest rates.
MortgagesCompare payments and fees over the deal periods of two mortgage offers.
MortgagesEstimate initial interest avoided by offsetting eligible savings against a mortgage.
MortgagesModel a one-off capital payment while keeping the regular mortgage payment unchanged.
MortgagesEstimate interest on a fixed mortgage balance over a specified number of days.
MortgagesAdd separately paid fees to the full repayment cost of a constant-rate mortgage.
MortgagesFind the extra deposit needed to reach a chosen mortgage LTV band.
MortgagesCompare monthly housing cash outgoings with a repayment mortgage and ownership costs.
MortgagesMeasure a simple investment gain including cash distributions and fees.
InvestmentsConvert start and end values into a compound annual growth rate.
InvestmentsCalculate a share’s annual cash dividend yield from your own price and dividend inputs.
InvestmentsEstimate gross cash dividends from a known share count and declared or assumed payment.
InvestmentsCombine two share purchases and their dealing fees into a weighted average cost.
InvestmentsWork out trading profit from purchase and sale prices, share count and transaction charges.
InvestmentsTurn target allocation percentages into pound amounts for three holdings.
InvestmentsCompare current holdings with a chosen target allocation.
InvestmentsCompare a lump sum with and without an annual percentage charge.
InvestmentsConvert a nominal return into a real return after an inflation assumption.
InvestmentsProject the future price of an item using your own constant inflation scenario.
InvestmentsTranslate a future cash balance into today’s money under an inflation assumption.
InvestmentsModel monthly investing with a constant return that can also be negative.
InvestmentsFind the constant annual return needed to meet a target with monthly contributions.
InvestmentsCalculate how long a lump sum takes to double at a chosen constant effective rate.
InvestmentsCalculate annual coupon income as a percentage of a bond’s current clean price.
InvestmentsSolve the annual yield of a fixed-coupon bond held to redemption.
InvestmentsModel how long a portfolio lasts with fixed monthly withdrawals.
InvestmentsFind the percentage gain required to recover from a percentage loss.
InvestmentsSeparate asset performance and exchange-rate changes for a simple foreign-currency holding.
InvestmentsCalculate non-compounding interest on a fixed principal over a stated period.
Money & savingsConvert a nominal annual rate with periodic compounding into an AER.
Money & savingsFind the equivalent monthly interest on a fixed balance from a quoted AER.
Money & savingsEstimate the months required to reach a target with regular deposits.
Money & savingsFind the annual compound rate required for an existing lump sum to reach a target.
Money & savingsEstimate a fixed-term deposit balance under a selected interest-payment method.
Money & savingsEstimate the balance needed for a monthly gross interest target at a nominal rate.
Money & savingsProject savings when your monthly contribution rises by a chosen percentage each year.
Money & savingsFind the rent left within your own monthly spending and savings plan.
Cost of livingSplit a total household bill equally or by a specified personal share.
Cost of livingTurn annual and irregular bills into a monthly amount to set aside.
Cost of livingConvert weekly grocery spending into monthly and annual planning amounts.
Cost of livingDivide recipe ingredient costs and cooking energy across the portions made.
Cost of livingAdd weekly, monthly and annual subscriptions on a consistent yearly basis.
Cost of livingEstimate annual commuting cost using the days you travel and your daily fare or fuel cost.
Cost of livingAdd one-off moving costs and housing overlap without mixing them with a house deposit.
Cost of livingCalculate cash needed before your first reliable payday when moving to the UK.
Cost of livingCompare household money remaining from two working patterns.
Cost of livingMeasure the percentage and annual impact of a proposed monthly rent change.
Cost of livingCompare a nominal salary increase with your chosen inflation rate.
Cost of livingCompare your own housing, food, travel and other spending before and after a change.
Cost of livingFind how long accessible savings cover an essential monthly shortfall.
Cost of livingApply the standard 25% single-counted-adult discount to an eligible Council Tax bill.
Cost of livingEstimate a gas bill from billed kWh, your unit rate and daily standing charge.
Home & energyCombine actual electricity and gas usage with separate unit and standing rates.
Home & energyConvert a domestic gas meter volume into an energy estimate using bill factors.
Home & energyEstimate electricity needed for a known heat demand and a chosen efficiency factor.
Home & energyEstimate gas input and cost from useful heat demand and boiler efficiency.
Home & energyTurn a site-specific annual yield estimate and array size into annual generation.
Home & energyCompare installation cost with annual bill savings, export income and running costs.
Home & energyEstimate the gross margin from shifting a stated quantity of electricity between tariff periods.
Home & energyAdd daily electricity and gas standing charges over a chosen billing period.
Home & energyCompare two single-rate electricity tariffs using the same annual consumption.
Home & energyEstimate charges from a measured water volume and your provider’s prices.
Home & energyEstimate both electricity and metered water used by a daily shower pattern.
Home & energyEstimate drying costs using measured or programme-specific energy per cycle.
Home & energyCombine actual fuel, insurance, servicing, tax and other annual motoring costs.
Car & travelConvert UK imperial miles per gallon and litres per 100 kilometres.
Car & travelSpread a known annual car ownership cost across the miles you actually drive.
Car & travelAdd the initial rental, remaining monthly rentals and stated lease fees.
Car & travelSeparate the cash paid before a PCP balloon from the cost of keeping the car.
Car & travelMeasure depreciation between a purchase price and an expected or observed resale value.
Car & travelCompare electricity and petrol costs over the same mileage.
Car & travelEstimate charging duration from battery energy needed and sustained charger power.
Car & travelConvert a route distance and actual average speed into a travel-time estimate.
Car & travelFind the loan principal supported by a fixed payment, term and nominal interest rate.
Car & travelMeasure profit as a share of revenue after all entered costs.
Business financeFind the selling price needed for a chosen markup on cost.
Business financeFind the unit sales needed to cover fixed costs at a chosen unit contribution.
Business financeCalculate a simple VAT balance from output VAT and eligible recoverable input VAT.
Business financeBuild a simple invoice subtotal, discount, VAT amount and gross total.
Business financeTurn an annual pre-tax income target and business costs into a billable day-rate target.
Business financeTurn a simple sole trader tax estimate into a monthly amount to put aside.
Business financeEstimate how long cash covers a business’s monthly net cash burn.
Business financeMeasure the difference between current assets and current liabilities.
Business financeCompare short-term assets with short-term liabilities.
Business financeCombine inventory, customer payment and supplier payment days.
Business financeEstimate annual inventory turns and average holding days.
Business financeCompare cash saved by an early payment discount with its simple annualised funding value.
Business financeCompare operating cash available with principal and interest payments due.
Business financeCalculate operating margin before finance and tax from revenue and operating costs.
Business financeCompare taxable rolling 12-month turnover with the UK registration threshold.
Business financeEstimate 2026 Corporation Tax for a qualifying company over a full 12-month accounting period.
Business financeApply the annual allowance to eligible employer Class 1 NI liability.
Business financeEstimate annual levy from the pay bill and allowance allocated to this employer.
Business financeAdd salary, standard adult employer NI and actual employer-funded costs.
Business financeConvert an annual gross salary to a daily equivalent for your paid working days.
Work & businessConvert annual gross pay into an hourly equivalent using contracted paid hours.
Work & businessMeasure an annual salary change and its gross monthly equivalent.
Work & businessEstimate the annual net effect of an employment bonus using country tax bands.
Work & businessEstimate the annual net effect of a regular overtime pattern.
Work & businessIllustrate a regular-hours worker’s share of a full-year statutory leave baseline.
Work & businessEstimate gross statutory maternity payments for a confirmed eligible employee.
Work & businessEstimate gross pay for one or two eligible weeks at the 2026/27 statutory rate.
Work & businessAdd ordinary and premium shifts into weekly and annual gross pay.
Work & businessConvert four-weekly income into a calendar-month average for household planning.
Work & businessCalculate the standard Personal Allowance remaining after adjusted net income tapering.
Tax & payShow annual Income Tax and employee NI as shares of gross employment income.
Tax & payMeasure deductions and retained pay on a specified increase in annual salary.
Tax & payEstimate the gross annual salary needed for a chosen monthly net amount.
Tax & payCompare annual net pay under two UK country tax-band scenarios.
Tax & payCheck how much Gift Aid donation can be covered by qualifying UK tax already paid.
Tax & payCompare a £1,000 trading allowance with actual deductible expenses in a simple eligible case.
Tax & payCompare the UK property allowance with actual eligible expenses for a simple rental-income case.
Tax & payModel a defined-contribution pot with personal and employer gross contributions.
Pensions & retirementTranslate a pension pot and your chosen annual withdrawal percentage into gross income.
Pensions & retirementCalculate a pot target from an income gap and a withdrawal rate you choose.
Pensions & retirementEstimate the ordinary 25% tax-free cash amount within confirmed remaining lump sum allowance.
Pensions & retirementEstimate extra annual Income Tax from a wholly taxable pension withdrawal.
Pensions & retirementCompare net pension and other income with essential and optional retirement spending.
Pensions & retirementSolve the monthly gross personal input needed after allowing for employer contributions.
Pensions & retirementAdd confirmed usable prior-year allowance to the current year’s allowance.
Pensions & retirementAdd deposit, property purchase tax, legal costs, survey, moving and a chosen reserve.
Home & propertyFind the occupied-month rent needed to cover annual cash costs after expected voids.
Home & propertyCompare annual before-tax rental cash flow with the actual cash invested.
Home & propertyEstimate sale cash remaining after mortgage redemption and selling costs.
Home & propertyAdd contractor, material and professional quotes with a separate chosen contingency.
Home & propertyCompare the Rent a Room allowance with actual-cost profit for confirmed eligible receipts.
Home & propertyMeasure rent foregone and ongoing cash costs during a vacancy.
Home & propertyEstimate litres and whole tins from measured area, coats and manufacturer coverage.
Home & DIYEstimate full drops and rolls using wall width, drop height and effective pattern repeat.
Home & DIYCalculate whole tiles and boxes from area, tile size and a chosen cutting allowance.
Home & DIYEstimate flooring packs and total material-plus-fitting cost from measured area.
Home & DIYCalculate a rectangular slab’s concrete volume from metres and millimetres.
Home & DIYEstimate aggregate volume and mass using a supplier’s bulk density.
Home & DIYEstimate standard bays along one straight run with a chosen panel and post width.
Home & DIYEstimate board rows and stock boards for a rectangular deck.
Home & DIYMeasure rectangular wall area and subtract the total doors and windows you supply.
Home & DIYConvert a quoted square-foot area to square metres and apply a metric supply or fitting rate.
Home & DIYMeasure an increase or decrease between an original and a new value.
UK units & mathsRecover the starting value before a known percentage increase or decrease.
UK units & mathsFind what share one amount represents of a positive total.
UK units & mathsReduce a two-part whole-number ratio and show each share of the total.
UK units & mathsConvert metres, centimetres, millimetres, feet, inches, yards and miles.
UK units & mathsConvert square feet, square metres, acres and hectares.
UK units & mathsConvert litres, millilitres, cubic metres and UK imperial pints or gallons.
UK units & mathsConvert between kilograms, stones, pounds, ounces and metric tonnes.
UK units & mathsConvert temperatures between Celsius, Fahrenheit and Kelvin.
UK units & mathsEstimate statutory redundancy pay using your age, completed service and weekly pay, with separate Northern Ireland limits.
Work & businessEstimate gross SSP for one week using average earnings, qualifying working days and the 2026/27 statutory rate.
Work & businessEstimate January and July Self Assessment payments, including the balancing bill and advance payments on account.
Tax & payEstimate annual and monthly company car benefit-in-kind (BIK) tax, including electric cars and Scottish Income Tax bands.
Car & travelEstimate your remaining childcare bill after confirmed funded hours, including term-time funding and annualised monthly costs.
Family & benefitsNo calculators found. Try a shorter phrase or browse the topics below.
Compare repayments, terms, deposits, LTV targets, remortgage fees and interest-rate scenarios.
Browse mortgages →Understand returns, fees, dividends, portfolio weights, bond yields, inflation and withdrawals in UK pounds.
Browse investments →Build household budgets for rent, food, commuting, childcare, annual bills, moving and emergency savings.
Browse cost of living →Calculate Income Tax, take-home pay, National Insurance, student loan repayments and investment taxes using the current UK rules.
Browse tax & pay →Plan savings goals, estimate loan repayments, explore compound interest and track adult ISA contribution room.
Browse money & savings →Plan a house deposit, compare mortgage payments and estimate residential property purchase taxes or rental returns.
Browse home & property →Convert hourly and part-time pay, calculate overtime, estimate statutory holiday and explore VAT or employer National Insurance.
Browse work & business →Calculate margins, cash runway, working capital, VAT balances, company tax and employer allowances.
Browse business finance →Explore pension salary sacrifice, basic-rate tax relief, the annual allowance and a basic Inheritance Tax illustration.
Browse pensions & retirement →Estimate Child Benefit, the high-income charge, Tax-Free Childcare support, Marriage Allowance savings and Gift Aid top-ups.
Browse family & benefits →Estimate appliance electricity running costs using power, hours of use and your electricity tariff.
Browse home & energy →Estimate petrol and diesel journey costs, employee business mileage amounts and electric vehicle charging costs.
Browse car & travel →Estimate paint, wallpaper, tiles, flooring, concrete, gravel, fencing and decking from measured dimensions.
Browse home & diy →Work out percentages, sale discounts and pack unit prices with simple formulas and transparent examples.
Browse everyday →Convert UK imperial and metric measurements, temperatures, ratios and percentages with transparent formulas.
Browse uk units & maths →Estimate statutory redundancy pay using your age, completed service and weekly pay, with separate Northern Ireland limits.
Work & businessEstimate gross SSP for one week using average earnings, qualifying working days and the 2026/27 statutory rate.
Work & businessEstimate January and July Self Assessment payments, including the balancing bill and advance payments on account.
Tax & payEstimate annual and monthly company car benefit-in-kind (BIK) tax, including electric cars and Scottish Income Tax bands.
Car & travelEstimate your remaining childcare bill after confirmed funded hours, including term-time funding and annualised monthly costs.
Family & benefitsA job offer is only the starting point. Build an arrival budget and an ordinary monthly budget before choosing a home.
Read the guide ↗Salary & workWhat matters is the money left after deductions and your own commitments. Compare two budgets and the cost of doing the job.
Read the guide ↗Homes & depositsRent and a mortgage payment cover different things. Compare the cash flow, upfront money, responsibilities and flexibility.
Read the guide ↗Country selectors appear where UK rules differ. Prices, product rates and investment returns are editable inputs, with any illustrative values clearly identified. Each tool explains what it includes, what it leaves out and how the result is calculated.
Read our data and calculation methodology →