Calculators

Interactive tools to help you make smarter financial decisions.

Tax year 2025/26 (6 April 2025 to 5 April 2026). All rates, thresholds, and allowances reflect current HMRC rules. New rates for 2026/27 will typically be announced in the Autumn Statement or Spring Budget and take effect from 6 April 2026.

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.