Free UK finance calculators
Clear answers to everyday money questions, using current UK rates. No sign-up.
- Take-home pay calculatorSalary after income tax, National Insurance, student loan and pension.
- Mortgage calculatorMonthly repayments, total interest and the effect of overpaying.
- Stamp Duty calculatorStamp Duty for home movers, first-time buyers and second homes.
- Mortgage affordability calculatorHow much you could borrow from your income and deposit.
- Loan calculatorMonthly payment and total cost of a personal loan or car finance.
- Compound interest calculatorSee how savings and investments grow with regular deposits.
- Savings interest calculatorInterest on your savings after tax, and what an ISA would save.
- Pension calculatorEstimate your pension pot at retirement and the income it could give.
Guides
- How Stamp Duty works in England and Northern IrelandThe 2026/27 rates, a worked example, and how first-time buyer relief and the second-home surcharge change the bill.
- How your take-home pay is calculated in the UKWhat comes off your salary: income tax, National Insurance, student loan and pension, with a worked example.
- Should you overpay your mortgage?How overpayments save interest, what limits lenders set, and when saving instead can make more sense.
- Compound interest explained, with examplesHow interest on interest builds wealth over time, the rule of 72, and why starting early matters most.
- Tax on savings interest and how ISAs helpThe Personal Savings Allowance, who pays tax on interest, and when an ISA is worth using.