United Kingdom
United Kingdom calculators
With the values in force in the United Kingdom, the source of each one and the date we checked it.
Official data, updated automatically
An automated process checks the official sources every day. Rule changes go live after we verify them.
- Last review of the rules
- Latest automatic figure
- Bank Rate,
- Official sources
- 21 official documents
Pay and work
Pay and extras
- Take-home pay calculator 2026/27Enter your yearly salary and see what lands in your bank account each month, after PAYE Income Tax, National Insurance, student loan repayments and your pension.
- Minimum wage calculator: National Living Wage 2026Since 1 April 2026 the National Living Wage for workers aged 21 and over is £12.71 an hour. Workers aged 18 to 20 get at least £10.85, and under 18s and apprentices at least £8.
- Holiday entitlement calculatorAlmost all workers in the UK have a legal right to 5.6 weeks of paid holiday a year. For a 5-day week that is 28 days, and bank holidays can be included in it.
- Hourly to salary calculatorHow much is your salary per hour? What does an hourly offer come to per year? Enter an amount, pick the period and we show all the others.
- Pay raise calculatorYou have been offered a raise, or you are about to ask for one. Enter your pay and the raise, as a percentage or an amount, and see how much changes each month and year.
- Time card calculatorPick the start and end time for each day, your unpaid break and your hourly pay. We show total hours, overtime and your pay for the week.
Leaving a job
- Statutory redundancy pay calculatorIf you are made redundant after at least 2 years with your employer, you have a legal right to statutory redundancy pay. Your contract can give you more, but never less.
- Statutory notice period calculatorWhen an employer ends your job, the law sets a minimum notice period based on how long you have worked there. Your contract can give you more, but not less.
Taxes
- Income Tax calculator 2026/27Enter your total taxable income for the year and see how much Income Tax you pay, how it splits across the bands and your effective rate.
- National Insurance calculator 2026/27If you are employed, National Insurance comes out of your pay along with Income Tax. It builds your record for the State Pension and some benefits.
- VAT calculator: add or remove UK VATMost goods and services in the UK carry VAT at the standard rate of 20%. Some, such as home energy and children's car seats, use the reduced rate of 5%, and others, such as most food and children's clothes, are zero rated.
- Self-employed tax calculator 2026/27As a sole trader you pay Income Tax and National Insurance on your profit through Self Assessment, not through payroll. Knowing the bill early helps you set money aside.
- Employer National Insurance calculator 2026/27A salary costs a business more than the number on the contract. On top of it you pay employer National Insurance and at least the minimum workplace pension.
Money and indexes
Loans, savings and investing
- Loan calculatorBefore you sign for a loan, two numbers matter: what you pay each month and what the loan costs you in interest.
- APR to APY calculatorTwo offers with the same rate can cost different amounts. The difference is how often interest is charged or paid.
- Mortgage calculatorA mortgage is the biggest debt most households ever take on. It pays to see the full numbers before you talk to a lender.
- Rent vs buy calculatorComparing the mortgage payment with the rent is not enough. Buyers pay interest, upkeep and property tax, but they end up owning the home. Renters can keep the deposit invested.
- Compound interest calculatorWith compound interest, the interest is added to your balance and starts earning interest of its own. That is why savings grow faster and faster.
- Simple interest calculatorSimple interest is always worked out on the original principal: interest is not added to the balance during the term.
- Savings goal calculatorA trip, a car, a deposit on a home or a cushion for surprises. A goal with an amount and a date is much easier to hit.
- Retirement savings calculatorA state pension often is not enough to keep your standard of living. Savings of your own, even small ones, make a big difference if you start early.
- Credit card payoff calculatorA credit card is usually the most expensive debt you have. Paying only the minimum stretches it out for years and piles on interest.
- 50/30/20 budget calculatorThe 50/30/20 rule is a simple way to plan your month. Half goes to essentials, 30% to things you enjoy and 20% to savings.
- Emergency fund calculatorAn emergency fund is money set aside for what you can't plan for: losing your job, a health problem or an urgent home repair.
- Car cost calculatorMost people know what they spend on fuel. Few add up insurance, maintenance, parking and, above all, the value the car loses every year.
Business and self-employment
- ROI calculatorA 50% gain sounds great, but it is not the same over 2 years as over 10. To compare investments you need the return per year.
- Profit margin calculatorMargin and markup get mixed up all the time, and the difference can cost you money. Both measure the same profit, but against a different base.
- Break-even calculatorThe break-even point is the level of sales where a business neither makes nor loses money. Below it you lose, above it you start to profit.
- Freelance rate calculatorThe most common freelance mistake is taking the salary you would want as an employee and dividing it by 160 hours. That leaves out taxes, expenses, vacation and every hour you can't bill.
Other calculators
- Stamp Duty calculator for England and Northern IrelandStamp Duty Land Tax (SDLT) is paid when you buy a home in England or Northern Ireland above a certain price. It is charged in slices, like Income Tax, so each rate only applies to the part of the price inside its band.
- Student loan repayment calculator 2026/27Student loan repayments depend on what you earn, not on how much you owe. You only repay a share of your income above the threshold for your plan.
- Statutory Maternity Pay calculator 2026/27Statutory Maternity Pay (SMP) is the legal minimum your employer pays while you are on maternity leave. It is paid for up to 39 weeks.
- Statutory Sick Pay calculator 2026/27Statutory Sick Pay (SSP) is the minimum your employer pays when you are too ill to work. Since 6 April 2026 it is paid from your first full day off sick, and there is no longer a minimum earnings level.
- Dividend tax calculator 2026/27If you own shares or run your own limited company, dividends are taxed separately from your salary, at their own rates. These are the rates for the tax year from 6 April 2026 to 5 April 2027.
- Capital Gains Tax calculator 2026/27Capital Gains Tax is paid on the profit when you sell or give away something that has gone up in value, such as shares, a second home or a buy-to-let.
- Pension tax relief calculatorWhen you pay into a personal pension, or a workplace pension that uses relief at source, the government tops up your contribution with tax relief. Higher rate taxpayers can claim even more back.
- Child Benefit calculator with the high income chargeChild Benefit is paid for each child under 16, or under 20 if they stay in approved education or training. There is no income limit to claim it, but if one parent earns over £60,000, part or all of it is paid back as a tax charge.
- Tracker mortgage calculatorA tracker mortgage follows the Bank of England's Bank Rate at a set margin, for example Bank Rate plus 1 point. When Bank Rate moves, your repayments move with it.