UK tax and pay calculators
25 calculators for UK pay, tax, property and pensions. Every figure comes from HMRC or GOV.UK, is cited in the source, and is re-read each April.
Pay and income
What actually reaches your account, and what a rate is worth over a year.
- Take-Home Pay Calculator What reaches your account after income tax, National Insurance, pension and student loan.
- Bonus Tax Calculator What you keep from a bonus, and why the rate on it is higher than you expect.
- Salary Sacrifice Calculator What a pension contribution really costs you once tax and National Insurance are counted.
- Hourly Rate to Salary An hourly rate over a year, and what you keep for each hour actually worked.
- Day Rate to Salary What a contract day rate is worth a year, and what a salary quietly includes.
- Pro Rata Salary Calculator What a part-time role really pays, and why it keeps more than its share.
- Holiday Entitlement Calculator Statutory leave for a regular working week, including part-time work and joining or leaving midyear.
- Student Loan Repayment Calculator What comes out each month, and whether you will clear it before it is written off.
Property
Buying, selling and letting, and the tax on each.
- Stamp Duty Calculator The tax on a purchase in England or Northern Ireland, band by band, with first-time buyer relief.
- Mortgage Repayment Calculator The monthly payment on a repayment mortgage, and how much of it is interest.
- Mortgage Affordability Calculator Roughly what a lender will offer, and what that reaches with your deposit.
- Mortgage Overpayment Calculator How many years an overpayment takes off the term, and the interest it avoids.
- Rental Yield Calculator Gross and net yield on a buy-to-let, and what actually lands in your account monthly.
- Capital Gains Tax on Property The tax on selling a second home or a buy-to-let, and how your income splits the gain.
Working for yourself
Sole trader, limited company, or a day rate through either.
- Self-Employed Tax Calculator Income tax and Class 4 on your profits, plus what HMRC really asks for in January.
- Umbrella vs Limited Company The same day rate through both structures, with every deduction shown on each side.
- Dividend Tax Calculator Dividend tax at the new 10.75% and 35.75% rates, and how your salary changes it.
- VAT Calculator Add VAT to a price or work it back out of a gross figure. Divide by 1.2, not minus 20%.
- Company Car Tax Calculator What the car costs you monthly, from the P11D price and the HMRC CO2 percentage.
Pensions and redundancy
Money later in life, leaving a job, and what an estate owes.
- Pension Drawdown Calculator What a pot pays after tax, and how many years it lasts at that rate.
- Pension Annual Allowance Calculator How much you can put in this year, after the taper that catches high earners.
- Redundancy Pay Calculator Your statutory redundancy pay, and how each year of service was counted towards it.
- Inheritance Tax Calculator What an estate owes, with the residence band, the £2m taper and spouse transfers.
Children and family
Pay while you are off, and what child benefit is worth once income is counted.