UltraCalculators

Finance Calculators

Whether you are buying your first home, planning your tax return, or working out your take-home pay, our finance calculators give you instant, accurate results based on the latest 2026-27 UK rates and thresholds. Each tool is designed with HMRC guidelines in mind so you can plan with confidence.

HMRC-accurate ratesUpdated for 2026/2794 calculators

Related Topics

UK Property Buying Calculators UK Tax Planning Calculators UK Borrowing & Credit Calculators

Property & Mortgage

25

Stamp Duty Calculator

Calculate stamp duty land tax (SDLT) or land and buildings transaction tax (LBTT) on your property purchase.

Mortgage Calculator

Calculate your monthly mortgage repayments based on property price, deposit, interest rate, and term.

Mortgage Affordability Calculator

Estimate how much you could borrow based on your income, expenses, and lender stress tests.

Mortgage Overpayment Calculator

Calculate how much interest you could save and how many months you could cut from your mortgage by making regular overpayments.

Mortgage Interest Rate Calculator

Compare how different interest rates affect your monthly payment and total mortgage cost.

Interest-Only Mortgage Calculator

Calculate monthly interest payments and compare with a repayment mortgage to understand the true cost.

Remortgage Calculator

Compare your current mortgage deal against a new one. See monthly savings, total costs, fees, and how long until you break even.

Buy-to-Let Yield Calculator

Calculate rental yield, mortgage costs, and net profit for a buy-to-let investment property.

Rental Yield Calculator

Calculate gross and net rental yield for buy-to-let properties, including all running costs.

Commercial Mortgage Calculator

Project monthly repayments, total interest, and costs for a UK commercial property mortgage.

Bridging Loan Calculator

Calculate monthly interest, total costs, and fees for a short-term bridging loan.

Equity Release Calculator

Estimate how much you could release from your property and see the long-term cost of a lifetime mortgage.

First-Time Buyer Calculator

Calculate the total upfront costs of buying your first home, including stamp duty relief, LISA bonus, and deposit requirements.

Stamp Duty Refund Calculator

Check if you are eligible for a refund of the additional dwelling surcharge and calculate your potential SDLT refund.

Shared Ownership Calculator

Calculate the total monthly cost of a shared ownership home, including mortgage, rent on the remaining share, and service charges.

Right to Buy Calculator

Estimate your Right to Buy discount based on your tenancy length, property type, and region. Check eligibility and see your discounted purchase price.

Loan-to-Value (LTV) Calculator

Calculate your LTV ratio from property value and mortgage amount. See which rate band you fall into.

Commercial Stamp Duty Calculator

Calculate SDLT on commercial and mixed-use property purchases and leases using 2026-27 rates.

Scotland LBTT Calculator

Calculate Land and Buildings Transaction Tax on your Scottish property purchase.

Wales LTT Calculator

Calculate Land Transaction Tax on your Welsh property purchase.

Ground Rent Calculator

Project your total ground rent cost over the remaining lease term, including escalation clauses.

Service Charge Calculator

Break down your annual leasehold service charge and project costs over time with reserve fund contributions.

Leasehold vs Freehold Calculator

Compare the total cost of leasehold vs freehold ownership over 10 years, including lease extension and enfranchisement options.

Rent Affordability Calculator

Find out how much rent you can afford based on your income, debts, and the commonly used 30% affordability rule.

Deposit Savings Calculator

Project your savings growth towards a house deposit, with optional Lifetime ISA bonus for first-time buyers.

Income & Salary

15

Income Tax Calculator

Calculate your UK income tax for the 2026-27 tax year with England/Wales or Scotland tax bands.

Salary Calculator

Calculate your UK take-home pay after income tax, National Insurance, pension, and student loan deductions.

National Insurance Calculator

Calculate your employee National Insurance contributions for the 2026-27 tax year.

Employer NI Calculator

Calculate employer National Insurance contributions and Employment Allowance savings for 2026-27.

PAYE Calculator

Calculate your take-home pay after PAYE income tax, National Insurance, pension, and student loan deductions for the 2026-27 tax year.

Net Income Calculator

Calculate your take-home pay after all deductions including tax, National Insurance, pension, student loan, and salary sacrifice benefits.

Two Jobs Tax Calculator

Calculate your combined tax liability across two jobs and check whether your tax codes are correctly allocated for the 2026-27 tax year.

Hourly to Salary Calculator

Convert between hourly rates and annual salary, with take-home pay estimates and National Minimum Wage comparison.

Salary Sacrifice Calculator

Calculate how salary sacrifice pension contributions reduce your take-home pay and save on tax and National Insurance.

Salary Exchange Calculator

Compare your net pay before and after pension salary sacrifice and see how much you save on tax and National Insurance.

Bonus Tax Calculator

Calculate how much income tax and National Insurance will be deducted from your bonus for 2026-27.

Pro Rata Calculator

Convert a full-time salary to its part-time equivalent with hourly, weekly, and monthly breakdowns.

Holiday Entitlement Calculator

Calculate your statutory holiday entitlement for full-time, part-time, and irregular hours workers, with bank holiday options for England, Wales, Scotland, and Northern Ireland.

Redundancy Calculator

Calculate your statutory redundancy pay based on age, years of service, and weekly pay with the current GBP 751 weekly cap.

Employee Cost Calculator

Calculate the true cost of employing someone in the UK

Tax Planning

18

Capital Gains Tax Calculator

Calculate UK capital gains tax on investments, property, and other assets.

Inheritance Tax Calculator

Estimate UK inheritance tax with nil-rate bands, residence relief, and taper.

UK Dividend Tax Calculator

Calculate your dividend tax liability based on your salary and dividend income for 2026-27.

Self-Employment Tax Calculator

Calculate your income tax, Class 2 NI, and Class 4 NI as a sole trader for 2026-27.

Corporation Tax Calculator

Calculate UK corporation tax with marginal relief for profits between GBP 50,000 and GBP 250,000 (2026-27).

Self Assessment Calculator

Calculate your total tax liability including income tax, National Insurance, dividend tax, and payments on account for 2026-27.

Tax Code Checker

Decode your UK tax code to understand your Personal Allowance and what it means for your pay.

Tax Refund Calculator

Estimate your UK tax refund if you have overpaid income tax through PAYE, work expenses, or a mid-year job change.

IR35 Calculator

Compare your take-home pay inside and outside IR35 to understand the tax impact of your employment status.

P11D Benefit Calculator

Calculate the tax you pay on company benefits in kind reported on form P11D.

Company Car Tax Calculator

Calculate the Benefit in Kind tax on your company car based on CO2 emissions and list price.

Marriage Allowance Calculator

Check your eligibility and calculate the annual tax saving from transferring 10% of your Personal Allowance to your spouse.

Blind Person's Allowance Calculator

Calculate the additional tax-free income and annual tax saving from claiming Blind Person's Allowance.

Child Benefit Tax Calculator

Calculate the High Income Child Benefit Charge (HICBC) for 2026-27 and see whether to keep or opt out of Child Benefit.

Crypto Tax Calculator

Calculate UK capital gains tax on cryptocurrency disposals including sales, swaps, and DeFi transactions using 2026-27 rates.

Add or remove VAT at standard, reduced, or zero rates for UK goods and services.

VAT Flat Rate Scheme Calculator

Calculate your VAT savings under the HMRC Flat Rate Scheme for small businesses.

R&D Tax Credit Calculator

Calculate your R&D tax credit or enhanced deduction under the SME or RDEC scheme for qualifying research and development expenditure.

Savings & Pensions

18

UK Pension Calculator

Project your combined state and workplace pension value at retirement.

Pension Drawdown Calculator

Project how long your pension pot will last with flexible drawdown withdrawals.

Pension Annuity Calculator

Estimate your annual and monthly annuity income from your pension pot based on age, health status, and annuity type.

Pension Tax Relief Calculator

Calculate how much tax relief you receive on your pension contributions for the 2026-27 tax year.

Pension Lump Sum Calculator

Calculate your tax-free pension lump sum (PCLS) and tax on the remainder for 2026-27.

Pension Pot Calculator

Project the value of your pension pot at retirement based on contributions, employer match, and investment growth.

Pension Credit Calculator

Estimate your weekly Pension Credit entitlement for 2026-27 based on your income, savings, and circumstances.

Workplace Pension Calculator

Calculate your employee and employer pension contributions under auto-enrolment for 2026-27.

State Pension Age Calculator

Find out when you can claim your UK State Pension based on your date of birth.

FIRE Calculator

Calculate your Financial Independence, Retire Early (FIRE) target and how many years until you reach it.

Lifetime Allowance Calculator

Calculate pension lump sum tax charges under the new post-April 2024 rules.

UK ISA Calculator

Compare ISA types and project compound growth on your tax-free savings.

Help to Buy ISA Calculator

Project your Help to Buy ISA savings and government bonus for existing account holders.

Savings Goal Calculator

Calculate exactly how much you need to save each month to reach your financial target.

Investment Calculator

Project how your investments could grow over time with compound interest and regular monthly contributions.

Venture Capital Trust Calculator

Calculate income tax relief, tax-free dividends, and total returns from investing in a Venture Capital Trust (VCT).

EIS Relief Calculator

Calculate income tax relief, CGT deferral, and loss relief from investing in Enterprise Investment Scheme qualifying companies.

SEIS Relief Calculator

Calculate income tax relief, CGT reinvestment relief, and loss relief from investing in Seed Enterprise Investment Scheme companies.

Loans & Budgeting

9

Student Loan Repayment Calculator

Calculate your monthly student loan repayment based on your salary and loan plan.

Personal Loan Calculator

Calculate monthly repayments, total interest, and the total cost of a personal loan.

Loan Repayment Calculator

See your amortisation schedule, track principal vs interest, and calculate the impact of extra payments.

Secured Loan Calculator

Calculate monthly repayments for a secured loan against your property, including combined LTV assessment.

Credit Card Repayment Calculator

See how long it takes to clear your credit card balance and how much interest you will pay at minimum or fixed payments.

Debt Payoff Calculator

See how long it takes to clear your debt and how much interest you will pay.

Budget Planner Calculator

Split your income using the 50/30/20 rule. Customise the ratio and track your actual spending against your budget targets.

Payment Calculator

Calculate your monthly loan or mortgage payment with a full amortization breakdown showing total interest and payoff date.

eBay Fees Calculator

Calculate your eBay selling fees, net revenue, and profit

Benefits & Allowances

5

Benefits Calculator

Estimate your total UK benefit entitlements including Universal Credit, Child Benefit, PIP, and Council Tax Reduction based on your circumstances.

Universal Credit Calculator

Estimate your monthly Universal Credit payment with standard allowance, child elements, housing, taper deductions, and savings tariff.

Childcare Voucher Calculator

Calculate your tax and NI savings from salary sacrifice childcare vouchers and compare with Tax-Free Childcare.

Carer's Allowance Calculator

Check your eligibility for Carer's Allowance and see the 2026-27 weekly and annual payment rates.

Attendance Allowance Calculator

Check your eligibility for Attendance Allowance and see the weekly and annual payment rates for 2026-27.

Other

4

Take Home Pay Calculator

Calculate your UK monthly and weekly take-home pay after income tax, National Insurance, pension, and student loan deductions for 2024-25.

PayPal Fee Calculator

Calculate PayPal seller fees for UK domestic, EEA, and international transactions

Maternity Pay Calculator

Calculate UK Statutory Maternity Pay (SMP) for 2026-27 with eligibility check

Calculate UK Statutory Sick Pay using reformed April 2026 rules

Whether you are buying your first home, planning your tax return, or working out your take-home pay, our finance calculators give you instant, accurate results based on the latest 2026-27 UK rates and thresholds. Each tool is designed with HMRC guidelines in mind so you can plan with confidence. From stamp duty on a new property to the tax implications of a salary sacrifice scheme, financial decisions in the UK are shaped by a web of allowances, bands, and reliefs that change every April. Our calculators stay current with each tax year so you always see the figures that matter right now, not last year's rates. We cover the full spectrum of personal and business finance: mortgages and property costs, income tax and National Insurance, pensions and retirement planning, savings and investments, loans and credit, and benefits and allowances. Each calculator explains its methodology and references the official HMRC or government source so you can trust the numbers.