Free UK Financial Calculators
Quickly estimate your take-home pay, tax bill, stamp duty, and more.
Built for UK residents using current HMRC rates.
UK Calculators
Salary Calculator
Calculate your UK take-home pay after tax and National Insurance deductions.
Day Rate to Salary
Convert your contractor day rate into an equivalent annual salary.
Self-Employed Tax Calculator
Estimate your tax bill as a sole trader or freelancer in the UK.
PayPal Fee Calculator
Work out PayPal fees for UK transactions and find out what you actually receive.
Stamp Duty Calculator
Calculate Stamp Duty Land Tax on property purchases in England and Northern Ireland.
Mortgage Calculator
Calculate your monthly mortgage repayments, total interest, and loan-to-value ratio.
VAT Calculator
Add or remove VAT at the standard 20% or reduced 5% rate.
Dividend Tax Calculator
Calculate dividend tax for company directors and shareholders.
IR35 Calculator
Compare take-home pay inside vs outside IR35 for UK contractors.
Council Tax Bands
Find your council tax band and estimate your annual bill.
Pension Calculator
Calculate pension contributions, tax relief, and effective cost.
Student Loan Calculator
Work out your monthly student loan repayment by plan type.
Minimum Wage Calculator
Calculate weekly, monthly, and annual pay at UK minimum wage rates.
Inheritance Tax Calculator
Estimate the inheritance tax on an estate, including nil rate bands and residence relief.
Crypto Tax Calculator
Calculate capital gains tax on cryptocurrency disposals in the UK.
Employer Cost Calculator
Work out the true cost of employing someone — salary, NI, and pension.
Overtime Calculator
Calculate your overtime pay at time-and-a-half, double time, or custom rates.
Holiday Pay Calculator
Work out your UK holiday entitlement and the value of your paid leave.
Quick UK Tax Facts (2025/26)
- Personal allowance: £12,570 — you pay no tax on the first £12,570 you earn
- Basic rate tax: 20% on income from £12,571 to £50,270
- National Insurance: 8% on earnings between £12,570 and £50,270
- VAT standard rate: 20%
- National Living Wage: £12.21/hour (from April 2025)
- Stamp duty nil rate: £125,000 (from April 2025)
Why Use UK Money Tools?
Understanding your finances shouldn't require a spreadsheet or an accountant. UK Money Tools provides straightforward calculators that use current HMRC rates and published fee structures to give you clear, useful estimates.
Whether you're negotiating a salary, considering contracting, calculating your self-assessment bill, or working out stamp duty on a property, our tools give you a reliable starting point. All calculations run in your browser — we never see or store your data.
Current Rates
Based on 2025/26 HMRC published rates
No Registration
Use any calculator instantly, no sign-up needed
Transparent
Every calculation shows its assumptions clearly
Privacy First
All calculations run in your browser — no data sent anywhere
Money Guides
Practical guides to help you understand UK tax and finance.
Popular Salary Lookups
Frequently Asked Questions
Are these calculators free to use?
Yes. All calculators on UK Money Tools are completely free with no registration required.
How accurate are the results?
Our calculators use published HMRC rates for the 2025/26 tax year. Results are estimates and may not account for every individual circumstance. Always consult a qualified professional for specific tax advice.
Which tax year do these calculators use?
All tax-related calculators use the 2025/26 UK tax year rates (6 April 2025 to 5 April 2026).
Do you store any of the data I enter?
No. All calculations run entirely in your browser. We do not collect, store, or transmit any values you enter into our tools.