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Calculators

Interactive tools to help you make smarter financial decisions.

Tax year 2025/26 rates. These calculators use 2025/26 rules (6 April 2025 to 5 April 2026). We will update to 2026/27 rates once confirmed by HMRC.

Take-Home Pay

See your actual take-home pay after tax, NI, pension, and student loan deductions.

Stamp Duty

Calculate SDLT (England) or LBTT (Scotland) on a property purchase.

Rent vs Buy

Compare the total cost of renting vs buying over time.

Student Loan

Analyse your repayment timeline and whether overpaying makes sense.

Tax Cliff Edges

Visualise the effective tax rate at every income level, including hidden cliff edges.

Sole Trader vs Ltd

Compare tax as a sole trader vs limited company director at any income level.

Salary & Dividend Split

Find the most tax-efficient way to extract money from your limited company.

Rental Property

Calculate rental yield, cash flow, and return on investment for a buy-to-let property.

Mortgage

Calculate monthly repayments, total interest, and see how overpayments could save you thousands.

State Pension

Forecast your UK state pension, check NI gaps, and see if voluntary top-ups are worth it.