UK financial calculators,
with the workings left in.
Eight focused tools covering property, tax, retirement, savings, borrowing, credit cards and VAT — each with formulas, assumptions and sources you can check.
The Tools
Stamp Duty Calculator
SDLT for England & Northern Ireland, LBTT for Scotland, LTT for Wales. First-time buyer relief and additional-property surcharge included.
Mortgage Calculator
Monthly repayments, total interest, overpayment savings, and amortisation using the mortgage rate and term you enter.
Income Tax Calculator
Take-home pay for 2026/27 with England, Scotland (6-band), and Wales differences. NI, student loans, and pension relief included.
Pension Calculator
Tax relief at 20% / 40% / 45%, relief at source vs net pay, annual allowance warnings, and projected future value.
Savings Calculator
Compound growth with regular deposits. ISA tax-free comparison against PSA allowance for basic, higher, and additional rate payers.
Personal Loan Calculator
Fixed-rate personal loan repayments, total interest, total repayable, optional overpayments, and a 12-month amortisation schedule.
Credit Card Calculator
Credit card payoff time and interest with a fixed monthly payment, new-spending scenario, and minimum-payment comparison.
VAT Calculator
Add or remove UK VAT using the official 20%, 5%, and 0% rates, with a custom-rate option and the correct reverse calculation.
"Every rule-based figure links to an official source, and every stable formula is published so you can check the assumptions."
— The Editor · Read the full methodology