Updated May 2026 · 100% Free

UK's Best Financial
Calculator Hub

Trusted tools used by thousands daily — mortgage, tax, savings, pension & more.

No signup needed
Instant results
2026 UK tax data
🔍
🏠 All Tools
🏗️ Housing
📊 Tax & Pay
💰 Savings
⚕️ Health
🎯 Lifestyle
12 Free Tools Available
🏠
Mortgage Calculator
Monthly payments & total cost
💼
Income Tax / Take-Home
UK salary after tax & NI
🏷️
Stamp Duty (SDLT)
England & NI property tax
📈
ISA Calculator
Grow your ISA tax-free
👴
Pension Calculator
Estimate your retirement pot
💰
Savings Calculator
Compound interest growth
🔑
Rent Affordability
How much rent can you afford?
💳
Loan Repayment
Monthly payments & interest
📋
Budget Planner
Income vs expenses breakdown
⚖️
BMI Calculator
Body mass index & category
🔥
Calorie / TDEE
Daily energy expenditure
🍽️
Tip & Bill Splitter
Split any bill instantly

🏠 Mortgage Calculator

Calculate your monthly repayments, total cost & interest paid.

£
£
4.5%
1%10%
25 years
5 yrs35 yrs
Repayment
Interest Only
Monthly Payment
£0
Loan Amount£0
Deposit %0%
Total You Repay£0
Total Interest£0
⚠️ This is an estimate only. Rates may vary. Not financial advice. Please consult a qualified mortgage adviser before making any decisions.
Frequently Asked Questions
How much deposit do I need for a mortgage? ▾
Most UK lenders require a minimum deposit of 5–10% of the property price. A 20%+ deposit typically gets you better rates and lower monthly payments. First-time buyers can often access special schemes with just 5%.
What is LTV (Loan to Value)? ▾
LTV is the percentage of the property value you borrow. A £270,000 mortgage on a £300,000 home is 90% LTV. Lower LTV means lower risk for the lender — and better rates for you.
Fixed vs variable rate mortgage — which is better? ▾
Fixed rate gives you predictable payments for a set period (usually 2–5 years). Variable rates can go up or down. In a high-rate environment like 2026, many buyers prefer the security of a fixed deal.
Related Tools
🏷️ Stamp Duty
🔑 Rent Affordability
💰 Savings
💼 Income Tax

💼 Income Tax Calculator

UK 2025/26 take-home pay after income tax & National Insurance.

£
None
Plan 1
Plan 2
Plan 4
%
Monthly Take-Home
£0
Annual Take-Home£0
Income Tax£0
National Insurance£0
Pension Deduction£0
Effective Tax Rate0%
⚠️ Based on 2025/26 UK tax bands. Does not account for tax credits, other deductions, or Scotland-specific rates.
Frequently Asked Questions
What is the UK personal allowance in 2025/26? ▾
The personal allowance is £12,570 — you pay no income tax on earnings up to this amount. Earnings between £12,570–£50,270 are taxed at 20% (basic rate).
How does National Insurance work in 2026? ▾
Employees pay 8% NI on earnings between £12,570 and £50,270, and 2% on anything above that. Your employer also pays additional NI on your behalf.
Related Tools
📋 Budget Planner
👴 Pension
🏠 Mortgage

🏷️ Stamp Duty Calculator

Calculate SDLT for England & Northern Ireland (2026 rates).

£
First Time Buyer
Home Mover
Additional Property
Stamp Duty to Pay
£0
Effective Rate0%
Property Price£0
Buyer Type—
⚠️ Applies to England & Northern Ireland only. Scotland uses LBTT; Wales uses LTT. Rates subject to change. Not legal advice.
Frequently Asked Questions
Do first-time buyers pay stamp duty? ▾
First-time buyers pay no SDLT on properties up to £425,000. Between £425,001 and £625,000, they pay 5%. The relief does not apply to properties above £625,000.
What is the extra stamp duty for additional properties? ▾
If you're buying an additional property (like a buy-to-let or second home), you pay an extra 3% surcharge on top of the standard SDLT rates on the entire purchase price.

📈 ISA Calculator

See how your ISA grows tax-free over time.

£
£
6.0%
1%15%
15 years
1 yr40 yrs
Total ISA Value
£0
Total You Invested£0
Tax-Free Growth£0
Annual ISA Allowance£20,000
⚠️ Investment returns are not guaranteed. Past performance does not predict future results. ISA allowance is £20,000/year (2025/26).

👴 Pension Calculator

Estimate your pension pot at retirement.

£
£
5.0%
1%10%
Estimated Pension Pot
£0
Years to Retirement0
Total You Contributed£0
Investment Growth£0
Monthly Drawdown (20yr)£0
⚠️ Estimate only. Does not include State Pension, employer contributions or inflation. Consult a financial adviser for personalised pension advice.

💰 Savings Calculator

Watch your savings grow with compound interest.

£
£
5.0%
0.5%15%
10 years
1 yr40 yrs
Total Savings
£0
Amount Deposited£0
Interest Earned£0

🔑 Rent Affordability

Find out how much rent you can comfortably afford.

£
£
30% Rule
40% Rule
50% Rule
Recommended Max Rent
£0
Monthly Income£0
After Rent & Bills£0
Rent as % of Income0%

💳 Loan Repayment Calculator

Calculate monthly payments on any personal loan.

£
8.9%
1%40%
3 years
1 yr7 yrs
Monthly Payment
£0
Total Repaid£0
Total Interest£0

📋 Budget Planner

See exactly where your money goes each month.

£
£
£
£
£
£
£
Monthly Surplus
£0
Total Income£0
Total Expenses£0
Savings Rate0%
50/30/20 Check—

⚖️ BMI Calculator

Calculate your Body Mass Index and healthy weight range.

Metric (cm/kg)
Imperial (ft/lbs)
Your BMI
0
Category—
Healthy Weight Range—
BMI Scale18.5–24.9 = Normal
⚠️ BMI is a screening tool, not a diagnostic measure. Consult your GP for medical advice about your health.

🔥 Calorie / TDEE Calculator

Total Daily Energy Expenditure — how many calories you need.

Male
Female
Calories to Maintain Weight
0 kcal
Lose Weight (−500 kcal)0 kcal
Gain Weight (+500 kcal)0 kcal
Basal Metabolic Rate0 kcal
⚠️ Estimates based on Mifflin-St Jeor equation. Individual needs vary. Consult a dietitian for personalised advice.

🍽️ Tip & Bill Splitter

Split the bill and calculate tips for any size group.

£
12.5%
0%30%
4
130
Each Person Pays
£0
Tip Amount£0
Total with Tip£0
Tip Per Person£0