United Kingdom Financial Calculators

Calculate the Annual Percentage Rate on any UK loan or credit card. Compare true borrowing costs across lenders using the standardised APR figure required by FCA regulations.

Calculate monthly payments for HP, PCP, and personal loan car finance in the UK. Compare total cost of ownership across finance types before visiting a dealership.

Calculate how long it takes to pay off a UK credit card balance and the total interest charged. Find the monthly payment needed to clear debt within any target timeframe.

Compare consolidating multiple UK debts into a single loan. See whether you save money on interest and how long it takes to become debt-free with a lower monthly payment.

Compare Hire Purchase and Personal Contract Purchase side by side. Calculate total costs, monthly payments, and final balloon payment to choose the right UK car finance option.

Check how much you can afford to borrow based on income and existing outgoings. Find the maximum loan amount UK lenders are likely to approve at current interest rates.

Compare the true cost of two or more UK personal loans side by side. Evaluate total interest, monthly payment, and APR across different loan amounts and terms.

Calculate monthly repayments and total interest on a UK personal loan. Enter loan amount, term, and interest rate to get a full repayment schedule from any UK lender.

Find out how much you can borrow for a mortgage in the UK. Based on income, deposit, and existing commitments under standard lender income multiples and affordability rules.

Calculate monthly payments, rental yield, and profitability of a buy-to-let property in the UK. Factor in Stamp Duty surcharge, mortgage interest tax relief changes, and stress test rates.

Calculate your monthly payments under the Help to Buy equity loan scheme. See the split between your mortgage, equity loan repayments, and how the scheme affects your total cost.

Calculate your mortgage Loan-to-Value ratio and see which LTV bands you fall into. Find out how your deposit size affects available mortgage rates and lender eligibility.

Compare two or more UK mortgage deals side by side. Calculate total cost including fees, monthly payments, and interest over the full term or initial fixed period.

Calculate your monthly mortgage repayment and total interest for any UK home loan. Enter property price, deposit, term, and interest rate to see your full payment schedule.

Calculate how much interest and time you save by overpaying your UK mortgage. See the impact of monthly overpayments or lump sums on your mortgage end date and total cost.

Calculate whether remortgaging saves money when your fixed rate ends. Compare your current rate against new deals after accounting for exit fees, arrangement fees, and solicitor costs.

Calculate your monthly costs under Shared Ownership including mortgage payment and rent on the unsold share. See total housing costs and staircasing options for buying more shares.

Calculate Stamp Duty Land Tax on any UK residential property purchase. Covers first-time buyer relief, additional property surcharge, and the latest SDLT threshold changes.

Calculate your pension annual allowance and whether you face an excess charge. Check if you can carry forward unused allowance from the past three years to make larger contributions.

Estimate the annual and monthly income your pension pot will buy as a UK annuity. Compare level, escalating, and joint-life annuity rates from leading UK insurance providers.

Calculate whether your total pension savings exceed or approach the Lifetime Allowance threshold. Understand the tax charge on pension savings above the LTA.

Calculate your projected pension pot at retirement. Model employer and employee contributions, investment growth, and years to retirement to forecast your UK pension income.

Calculate how long your pension pot lasts in drawdown. Model withdrawal amounts, investment returns, and inflation to plan sustainable income through UK retirement.

Calculate the tax relief you receive on UK pension contributions. See the difference between basic, higher, and additional rate relief and how to claim higher-rate relief via self-assessment.

Project the growth of a UK private pension including employer contributions, personal contributions, and investment returns over your remaining working years to retirement.

Calculate contributions, tax relief, and projected value of a Self-Invested Personal Pension. Model SIPP growth at different investment rates with full control over asset allocation.

Estimate your UK State Pension based on qualifying years of National Insurance contributions. See how many more years you need and whether voluntary NI top-ups are worth it.

Calculate your workplace pension contributions, employer match, and projected pot under auto-enrolment. See total pension savings from your current employer contribution scheme.

Build a zero-based monthly budget aligned with UK living costs. Allocate take-home pay across rent, groceries, bills, savings, and discretionary spending to manage your money.

Estimate and compare monthly living costs across different UK cities. See typical rent, food, transport, and utility costs to plan a move or evaluate your current spending.

Calculate the ideal size of your UK emergency fund based on monthly essential expenses and job security. Find how many months of expenses to hold in easy-access savings.

Calculate your Financial Independence, Retire Early target for the UK. Find the investment portfolio size needed to fund your lifestyle using the 4% safe withdrawal rate rule.

Calculate the impact of UK inflation (CPI/RPI) on purchasing power over time. See what today's pounds were worth in past years or what your savings need to earn to keep pace.

Calculate your total net worth by listing UK assets (ISAs, pension, property, savings) minus all liabilities (mortgage, loans, credit cards). Track your financial progress.

Calculate the pension pot needed to retire in the UK and whether you are on track. Model State Pension, workplace pension, private savings, and your target retirement income.

Calculate the monthly saving needed to reach any financial goal in the UK. Set a target amount, timeline, and expected ISA or savings account rate to find your required contribution.

Estimate your annual Council Tax across all valuation bands and UK local authorities. See applicable discounts, exemptions, and reductions for single occupancy and low income.

Calculate gross and net rental yield on any UK investment property. Compare rental returns after mortgage interest, letting agent fees, maintenance, and void period costs.

Calculate the income tax and National Insurance due on UK employer benefits in kind. Covers company cars, private medical insurance, gym memberships, and other BIK perks.

Calculate how much of your UK bonus you keep after income tax and National Insurance. See the exact take-home amount for any bonus size at basic, higher, and additional rate bands.

Calculate monthly tax and NI savings from UK childcare vouchers. Compare voucher savings against Tax-Free Childcare to find which scheme saves your family the most money.

Calculate the Benefit in Kind tax on your UK company car. See annual and monthly tax cost based on CO2 emissions, P11D value, and your income tax rate for the current tax year.

Convert any UK hourly rate to annual salary and back. Calculate gross annual pay from hourly wage, weekly hours, and working weeks, with income tax and NI deductions shown.

Calculate take-home pay from UK overtime at time-and-a-half, double time, or any custom rate. See overtime earnings after income tax and National Insurance deductions.

Calculate how pension contributions reduce your UK taxable income, income tax bill, and National Insurance. See the real net cost of contributing to your workplace or private pension.

Calculate your UK take-home pay from gross salary for the 2024-25 tax year. See income tax, National Insurance, student loan, and pension deductions with a full net pay breakdown.

Calculate your tax and National Insurance savings from salary sacrifice in the UK. Model pension, childcare, cycle-to-work, and electric vehicle salary sacrifice arrangements.

Calculate your exact monthly and annual take-home pay after all UK deductions. Enter gross salary to see income tax, National Insurance, student loan, and pension contributions.

Calculate interest earned in a Cash ISA and compare returns against standard savings accounts. See how the £20,000 annual ISA allowance grows tax-free over time.

Calculate how money grows with compound interest in UK savings accounts and investments. See daily, monthly, and annual compounding effects over any savings period.

Calculate how your ISA grows tax-free over time. Model contributions up to the £20,000 annual ISA allowance with projected interest or investment returns.

Calculate how a Junior ISA grows from birth to age 18. Model annual contributions up to the £9,000 JISA allowance and project the tax-free lump sum your child receives at 18.

Calculate how the 25% government bonus boosts your Lifetime ISA savings. Model LISA growth for a first home purchase or retirement with contributions up to £4,000 per year.

Calculate returns from National Savings & Investments products including Premium Bonds, NS&I savings accounts, and fixed-rate savings. Compare NS&I rates against market alternatives.

Estimate your expected Premium Bonds prize winnings based on your holding and the current prize fund rate. See monthly and annual expected returns from your NS&I Premium Bonds.

Calculate total interest earned from a UK regular saver account. Enter monthly deposit, interest rate, and term to see final balance and total interest from fixed or variable rate accounts.

Calculate interest on any UK savings account. Compare easy access, notice, and fixed-rate accounts by entering your balance and AER to see annual and monthly interest earned.

Calculate how a Stocks and Shares ISA grows over time. Project returns from annual contributions up to the £20,000 ISA allowance at different investment growth rates.

Calculate Capital Gains Tax on UK shares, property, and other assets. Apply the £3,000 annual CGT allowance and correct tax rates for basic and higher rate taxpayers.

Calculate Corporation Tax on company profits. Apply the 19%–25% marginal relief rate for profits between £50,000 and £250,000 for UK limited companies.

Estimate your annual Council Tax across all valuation bands and UK local authorities. See applicable discounts, exemptions, and reductions for single occupancy and low income.

Calculate income tax on UK dividends received by shareholders and company directors. Apply the £500 dividend allowance and the 8.75%, 33.75%, or 39.35% dividend tax rates.

Calculate UK income tax for the 2024-25 tax year. See Personal Allowance, basic rate, higher rate, and additional rate bands with National Insurance and student loan deductions.

Calculate Inheritance Tax liability on a UK estate. Apply the £325,000 nil-rate band, residence nil-rate band, and the 40% IHT rate to estimate your estate's tax exposure.

Calculate National Insurance contributions for employees and self-employed workers. See Class 1, 2, and 4 NI rates and thresholds for the 2024-25 UK tax year.

Calculate your PAYE deductions from salary. See how Pay As You Earn deducts income tax and National Insurance at source through your UK employer payroll.

Estimate your Self Assessment tax bill for the UK. Calculate income tax, Class 4 NI, and payments on account for self-employed, landlords, and those with multiple income sources.

Calculate Stamp Duty Land Tax on UK residential and commercial property purchases. Covers standard rates, first-time buyer relief, and the 3% additional dwelling surcharge.

Calculate monthly student loan repayments under Plan 1, Plan 2, Plan 4, and Plan 5. See your repayment threshold, monthly deduction, and years to pay off your UK student loan.

Add or remove UK VAT at standard (20%), reduced (5%), or zero rate. Instant gross and net price breakdown.

Add or remove VAT at the standard 20%, reduced 5%, or zero-rated 0% UK rate. Instantly calculate VAT-inclusive and VAT-exclusive prices for any transaction.