Updated May 2026 · 100% Free

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Calculator Hub

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

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2026 UK tax data
🔍
🏠 All Tools
🏗️ Housing
📊 Tax & Pay
💰 Savings
⚕️ Health
🎯 Lifestyle
16 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
💳
Credit Card Payoff
Clear debt faster & save interest
🔄
Remortgage Calculator
Save by switching your deal
🧾
Self Assessment Tax
Self-employed tax & NI bill
📊
Capital Gains Tax
CGT on shares & property

🏠 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

💳 Credit Card Payoff Calculator

See how fast you can clear your credit card debt and how much interest you'll save.

📅 Last updated: 28 May 2026
£
22.9%
0%50%
£
Time to Pay Off
0 months
Total Interest Paid£0
Total Amount Repaid£0
If you pay £50 more/month—
Interest saved by paying more£0
⚠️ Estimate only. Assumes a fixed APR and no new spending on the card. Your actual payoff may differ. Not financial advice — contact your card provider or MoneyHelper for guidance.
Frequently Asked Questions
How can I pay off my credit card faster? ▾
Pay more than the minimum each month. Even an extra £50/month dramatically cuts both the time and total interest. Paying only the minimum can take decades and cost more in interest than the original balance.
What is a typical UK credit card APR in 2026? ▾
Average UK credit card APR is around 22–25%, though it ranges from 0% introductory deals to 35%+ for some cards. Check your statement for your exact rate — it makes a big difference to your payoff time.
Should I use a balance transfer card? ▾
A 0% balance transfer card can pause interest for a set period (often 12–30 months), letting more of your payment clear the actual balance. Watch for transfer fees (usually 1–3%) and always clear the balance before the 0% period ends.
Related Tools
💳 Loan Repayment
📋 Budget Planner
💰 Savings
💼 Income Tax

🔄 Remortgage Calculator

See how much you could save each month by switching to a new mortgage deal.

📅 Last updated: 28 May 2026
£
6.5%
0.5%12%
4.5%
0.5%12%
20 years
1 yr35 yrs
£
Monthly Saving
£0
Current Monthly Payment£0
New Monthly Payment£0
Saving Over Term£0
Net Saving (after fees)£0
Fees Paid Back In—
⚠️ Estimate only. Remortgaging may involve early repayment charges on your current deal — check before switching. Not financial advice. Speak to a mortgage broker or MoneyHelper for guidance.
Frequently Asked Questions
When should I remortgage? ▾
Most people remortgage when their current fixed deal is ending (usually after 2–5 years), to avoid moving onto the lender's higher standard variable rate (SVR). Start looking around 3–6 months before your deal ends.
What are early repayment charges (ERC)? ▾
If you leave a fixed deal early, your lender may charge an ERC — often 1–5% of the outstanding balance. On £180,000 that could be £1,800–£9,000, so always check whether switching is worth it after fees.
What fees are involved in remortgaging? ▾
Typical costs include an arrangement/product fee (£0–£2,000), valuation fee, and legal/conveyancing fees. Some deals are "fee-free" with free valuation and legals — worth comparing the total cost, not just the rate.
Related Tools
🏠 Mortgage
🏷️ Stamp Duty
💳 Loan Repayment
📋 Budget Planner

🧾 Self Assessment Tax Calculator

Estimate your UK self-employed tax bill: Income Tax + Class 2 & Class 4 National Insurance (2025/26).

📅 Last updated: 29 May 2026 · 2025/26 rates
£
£
£
Total Tax & NI Due
£0
Taxable Profit£0
Income Tax£0
Class 4 NI£0
Class 2 NI£0
Take-Home After Tax£0
Effective Tax Rate0%
⚠️ Estimate for sole traders based on 2025/26 rates. Does not include student loans, dividends, or payments on account. Not tax advice — verify with HMRC or an accountant.
Frequently Asked Questions
When is the Self Assessment deadline? ▾
For online returns, the deadline is 31 January following the end of the tax year (which runs 6 April to 5 April). For example, the 2025/26 tax year return and payment are due by 31 January 2027. Paper returns are due earlier, by 31 October.
What expenses can I claim as self-employed? ▾
Allowable expenses include office costs, travel, stock, marketing, a portion of home/utility bills if you work from home, professional fees, and equipment. They must be "wholly and exclusively" for business. Claiming them reduces your taxable profit.
What is Class 2 and Class 4 National Insurance? ▾
Class 4 NI is 6% on profits between £12,570 and £50,270, then 2% above that. Class 2 NI is a flat weekly amount (around £3.45/week) paid when profits are above the small profits threshold. Both are collected through Self Assessment.
Related Tools
📊 Capital Gains Tax
💼 Income Tax
📋 Budget Planner
👴 Pension

📊 Capital Gains Tax Calculator

Estimate UK Capital Gains Tax on selling shares, property or other assets (2025/26).

📅 Last updated: 29 May 2026 · 2025/26 rates
£
£
£
Shares / Other
Property
Basic Rate
Higher Rate
Capital Gains Tax Due
£0
Total Gain£0
Annual CGT Allowance£3,000
Taxable Gain (after allowance)£0
CGT Rate Applied0%
Profit After Tax£0
⚠️ Estimate based on 2025/26 rates (CGT allowance £3,000). Shares/other: 18% basic, 24% higher. Property: 18%/24%. Does not account for other gains or losses. Not tax advice — verify with HMRC.
Frequently Asked Questions
What is the Capital Gains Tax allowance in 2025/26? ▾
The annual CGT exempt amount is £3,000 for 2025/26 (reduced from £6,000 the previous year). You only pay CGT on gains above this allowance each tax year.
What are the Capital Gains Tax rates? ▾
For 2025/26, gains on shares and most assets are taxed at 18% (basic rate taxpayers) or 24% (higher rate). Residential property is also 18%/24%. Your main home is usually exempt under Private Residence Relief.
Do I pay CGT on my main home? ▾
Usually no — your main residence is exempt from CGT through Private Residence Relief. CGT typically applies to second homes, buy-to-let property, shares outside an ISA, and other investments.
Related Tools
🧾 Self Assessment
📈 ISA
💼 Income Tax
💰 Savings

UK Money Guides

Free plain-English guides to UK tax, property and savings — updated for 2026.

💷

UK Income Tax Explained

Bands, personal allowance & how to calculate what you owe in 2026/27.
🏡

Stamp Duty Explained

How SDLT works when buying a UK home, with rates & first-time buyer relief.
💰

ISA vs Savings Account

Tax differences, the £20,000 allowance & which suits your money.
📊

Mortgage Repayments

How rates, term & loan size shape your monthly UK mortgage payment.