Annuity Calculator
Estimate UK retirement annuity income from a pension pot and compare annuity versus drawdown
92 free calculators
UK finance calculators for every money decision
Business loans, tax, mortgages, crypto CGT, financial independence, and planning tools - updated for 2026.
Apprenticeship Levy Calculator
Calculate your apprenticeship levy contribution and available training fund
APR Calculator
Calculate the true annual percentage rate on a loan including interest, arrangement fees, insurance and mandatory charges
Asset Finance Calculator
Compare hire purchase and finance leasing costs for business assets
Bitcoin vs S&P 500 Calculator
Compare returns from investing in Bitcoin against the S&P 500 over any time period
Break-Even Calculator
Calculate your break-even point in units and revenue for your business
Bridging Loan Cost Calculator
Calculate the total cost of a bridging loan including monthly interest and arrangement fees
Business Capital Gains Tax Calculator
Calculate CGT on business asset disposals including Business Asset Disposal Relief (formerly Entrepreneurs Relief)
Business Lease Cost Calculator
Calculate the total cost of a commercial property lease including rent-free periods and rent reviews
Business Loan Eligibility Checker
Check whether your business is likely to qualify for a UK business loan
Business Loan Repayment Calculator
Calculate monthly repayments, total interest and true cost of a business loan
Business Rates Relief Calculator
Estimate business rates, small business rate relief, and retail, hospitality and leisure multiplier savings in England
Business Runway Calculator
Calculate how many months of runway your business has before running out of cash
Buy Now Pay Later Calculator
Calculate the true cost of buy now pay later and compare against paying upfront or using a credit card
Capital Gains Tax Calculator
Calculate personal UK Capital Gains Tax on shares, property, crypto, business assets and other disposals
Cash Flow Gap Calculator
Calculate the funding gap caused by the difference between paying suppliers and receiving payment from customers
Child Benefit Calculator
Calculate your child benefit entitlement and high income charge
Churn and Revenue Impact Calculator
Calculate customer lifetime value and the revenue impact of reducing churn for subscription businesses
Coast FIRE Calculator
Calculate when your investments can grow to your FIRE number without further contributions
Commercial Property Stamp Duty Calculator
Calculate Stamp Duty Land Tax on commercial property purchases in England
Compound Interest Calculator
Calculate how your savings or investments grow with compound interest over time
Corporation Tax Calculator
Calculate your UK corporation tax liability including marginal relief
Cost of Living Calculator
Compare estimated living costs between UK cities using broad city cost indices
Council Tax Calculator
Calculate your council tax bill and check eligibility for discounts and exemptions
Credit Card Repayment Calculator
Calculate how long to pay off your credit card and how much interest you will pay
Crypto Break-Even Calculator
Calculate the price at which your crypto investment breaks even including all fees
Crypto CGT Calculator
Calculate UK Capital Gains Tax on cryptocurrency disposals including the 30-day same-day rule
Crypto DCA Calculator
Calculate the returns from dollar cost averaging into Bitcoin or any cryptocurrency
Crypto Income Tax Calculator
Calculate UK income tax on crypto received through mining, staking, airdrops, and referral rewards
Crypto Mining Profitability Calculator
Calculate the profitability of cryptocurrency mining based on your hardware and electricity costs
Crypto Portfolio Rebalancing Calculator
Calculate how to rebalance your cryptocurrency portfolio back to your target allocation
Crypto Profit and Loss Calculator
Calculate profit or loss on cryptocurrency trades including exchange fees
Crypto Tax Loss Harvesting Calculator
Calculate tax savings from harvesting crypto losses to offset capital gains
Debt Consolidation Calculator
Calculate whether consolidating your debts into one loan saves money
Debt Service Coverage Ratio Calculator
Calculate your DSCR to assess whether your business can afford new debt
Dividend vs Salary Calculator
Find the most tax-efficient way to pay yourself from your limited company
Down Payment Calculator
Calculate the UK mortgage deposit you need, your LTV, and how long it will take to save
Early Repayment Cost Calculator
Calculate the penalty and true saving from repaying a business loan early
Emergency Fund Calculator
Estimate your emergency fund target from essential expenses, savings, and target months
Employer NI Cost Calculator
Calculate the true employment cost including employer National Insurance and pension contributions
Equity Dilution Calculator
Calculate how much your shareholding is diluted by a funding round
Financial Independence Age Calculator
Calculate the age when you could reach financial independence based on savings, expenses, and investment returns
FIRE Number Calculator
Calculate your financial independence number and see when you could retire early
Founder Salary Affordability Calculator
Calculate how much salary you can afford to pay yourself as a founder without harming your business
Gift Tax Calculator
Estimate UK inheritance tax exposure on lifetime gifts using exemptions and the 7-year rule
Income Tax Calculator
Calculate your income tax bill for 2025/26 across all income types
Inflation Calculator
Calculate inflation-adjusted values, historical UK inflation impact, and real returns
Inheritance Split Calculator
Estimate how an estate could be split after tax, debts, fixed gifts, percentages, and equal shares
Inheritance Tax Calculator
Estimate UK inheritance tax using the nil-rate band, residence nil-rate band, gifts and reliefs
Interest Rate Calculator
Find the interest rate earned or needed to reach a savings or investment goal
Invoice Finance Cost Calculator
Calculate the cost of invoice factoring and invoice discounting for your business
IR35 Status Indicator
Assess whether your contract is likely inside or outside IR35
Late Payment Interest Calculator
Calculate statutory interest and compensation on late payments from UK business customers
Liquidation Price Calculator
Calculate the liquidation price for leveraged crypto positions on futures and margin trading
Loan vs Equity Calculator
Compare the true cost of debt financing against giving up equity in your business
Marriage Allowance Calculator
Calculate the tax saving from transferring part of your personal allowance to your spouse or civil partner
Maternity and Paternity Pay Calculator
Calculate statutory maternity, paternity, and shared parental pay for employers and employees
Merchant Cash Advance Calculator
Calculate the true cost of a merchant cash advance and convert factor rates to APR
Monthly Budget Calculator
Plan monthly income, spending, savings, debt payments, and 50/30/20 budget balance
Mortgage Affordability Calculator
Calculate how much you can borrow for a mortgage based on your income and outgoings
Mortgage Payoff Calculator
See how extra mortgage payments reduce your term and total interest paid
Mortgage Repayment Calculator
Calculate monthly mortgage repayments, total interest and the impact of overpayments
Net Worth Calculator
Calculate your net worth, liquid net worth, investable assets, and FIRE progress
Pension Annual Allowance Calculator
Calculate your pension annual allowance and check if you have exceeded it
Pension Drawdown Calculator
Calculate how long your pension pot will last in drawdown and find a sustainable withdrawal rate
Pension Tax Relief Calculator
Calculate the true cost of pension contributions after tax relief for basic and higher rate taxpayers
Personal Savings Allowance Calculator
Calculate how much savings interest you can earn tax-free and whether you owe tax on savings income
Present Value Calculator
Discount future cash flows into today's money and calculate NPV for investment decisions
Pricing Calculator
Calculate selling price from cost using markup or margin. Convert between markup and margin instantly.
Profit Margin Calculator
Calculate gross, operating and net profit margins for your business
R&D Tax Credit Calculator
Estimate your R&D tax credit claim under the UK SME and RDEC schemes
Refinance Calculator
Calculate whether remortgaging to a new deal saves money after fees
Rental Yield Calculator
Calculate gross and net rental yield on a buy-to-let property investment
Safe Withdrawal Rate Calculator
Calculate how much you can withdraw from your portfolio each year in retirement
Salary Sacrifice Calculator
Estimate pension salary sacrifice and Cycle to Work take-home pay impact
Savings Rate Calculator
Calculate your savings rate and estimate how long it could take to reach FIRE
SEIS / EIS Tax Relief Calculator
Calculate the tax relief available to investors under the SEIS and EIS schemes
Simple Interest Calculator
Calculate simple interest on savings or loans and compare it with compound interest
Sinking Fund Calculator
Calculate monthly savings needed for planned future expenses and multiple savings goals
Staking Rewards Calculator
Calculate your cryptocurrency staking rewards and annual percentage yield
Stamp Duty Calculator
Calculate Stamp Duty Land Tax for residential property purchases in England and Northern Ireland
Stamp Duty Investment Property Calculator
Estimate SDLT for second homes, buy-to-let purchases, and additional residential properties
Start Up Loan Repayment Calculator
Calculate repayments on a government-backed UK Start Up Loan
State Pension Calculator
Estimate your state pension and find out when you can claim it
Statutory Sick Pay Calculator
Calculate SSP entitlement and cost for employees off sick
Student Loan Repayment Calculator
Calculate monthly student loan repayments and whether you will repay in full before write-off
Take-Home Pay Calculator
Calculate your exact take-home pay after income tax, National Insurance, student loan and pension deductions
Tax-Free Childcare Calculator
Calculate your Tax-Free Childcare top-up and compare against childcare vouchers
Unit Economics Calculator
Calculate CAC, LTV, payback period and LTV:CAC ratio for your business
Universal Credit Calculator
Estimate your Universal Credit entitlement based on your circumstances
VAT Calculator
Add or remove VAT from any amount. Covers standard, reduced and flat rate schemes.
Working Capital Calculator
Calculate your working capital ratio and assess your business liquidity
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- GOV.UK income tax guidance
Official UK guidance on income tax, allowances, and tax bands.
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Current official VAT rates and VAT treatment basics.
- MoneyHelper mortgage guidance
Independent guidance for mortgage and home-buying decisions.
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Financial Planning
- Cost of Living Calculator
- Emergency Fund Calculator
- Financial Independence Age Calculator
- Gift Tax Calculator
- Inheritance Split Calculator
- Monthly Budget Calculator
Business Finance
- Apprenticeship Levy Calculator
- APR Calculator
- Asset Finance Calculator
- Break-Even Calculator
- Bridging Loan Cost Calculator
- Business Capital Gains Tax Calculator
Tax & Income
- Capital Gains Tax Calculator
- Child Benefit Calculator
- Council Tax Calculator
- Income Tax Calculator
- Inheritance Tax Calculator
- Marriage Allowance Calculator
Mortgage & Property
- Down Payment Calculator
- Mortgage Affordability Calculator
- Mortgage Payoff Calculator
- Mortgage Repayment Calculator
- Refinance Calculator
- Rental Yield Calculator
Crypto
- Bitcoin vs S&P 500 Calculator
- Crypto Break-Even Calculator
- Crypto CGT Calculator
- Crypto DCA Calculator
- Crypto Income Tax Calculator
- Crypto Mining Profitability Calculator
FIRE & Wealth
- Annuity Calculator
- Buy Now Pay Later Calculator
- Coast FIRE Calculator
- Compound Interest Calculator
- Credit Card Repayment Calculator
- Debt Consolidation Calculator