Finance & Tax Calculators
UK finance calculators for business owners — statutory interest, tax and invoice tools that do the maths HMRC won't.
Late Payment Interest Calculator
Statutory interest (8% + Bank of England base rate) and fixed compensation on overdue UK business invoices.
VAT Calculator UK
Add or remove UK VAT instantly — standard 20%, reduced 5%, or zero rate.
Take-Home Pay Calculator UK
See what you actually take home after income tax and NI — 2025/26 rates.
Salary Calculator
Convert between annual, monthly, weekly, daily and hourly pay.
Mortgage Calculator UK
Monthly repayments and total cost for any mortgage size, rate and term.
Loan Calculator
Monthly payment and total interest for any loan.
Car Loan & Finance Calculator
Monthly cost for a car loan or PCP with deposit and balloon.
Compound Interest Calculator
See how savings grow with compound interest and regular deposits.
Savings Interest Calculator
Interest on savings — simple or compound over time.
Investment & ROI Calculator
Project growth or compute ROI/CAGR.
Credit Card Payoff Calculator
How long payoff takes — and what extra payments save.
Amortization Calculator
Year-by-year split of interest vs principal on a loan.
Rental Yield Calculator
Gross and net rental yield with monthly cash flow.
Student Loan Calculator UK
Monthly student loan deductions by plan.
Stamp Duty Calculator UK
SDLT for England & NI — standard, first-time buyer or additional property.
Corporation Tax Calculator UK
Corporation tax with marginal relief (2024/25+).
Capital Gains Tax Calculator
CGT on shares or property with the £3,000 exempt amount.
Dividend Tax Calculator UK
Dividend tax above the £500 allowance.
IR35 Calculator
Inside vs outside IR35 take-home on your day rate.
Self-Employed Tax Calculator
Income tax + Class 4 NI on self-employed profits.
National Insurance Calculator
Employee Class 1 NI on your salary.
Payroll Calculator UK
Total employer cost plus employee take-home.
Pro Rata Salary Calculator
Part-time salary from a full-time equivalent figure.
Pay Rise Calculator
What a percentage rise is worth.
Retirement & Pension Calculator
Project your pot at retirement and sustainable income.
Council Tax Calculator
Council tax by band with discounts applied.
Holiday Pay Calculator UK
Statutory entitlement and pay per leave day.
Redundancy Pay Calculator UK
Statutory redundancy pay from age, service and weekly pay.
Maternity Pay Calculator UK
SMP — 6 weeks at 90%, then the flat weekly rate.
Childcare Cost Calculator UK
Monthly childcare cost after funded hours and TFC top-up.
Commission Calculator
Flat-rate or tiered commission on sales.
Break-Even Calculator
Units and revenue needed to break even.
Margin & Markup Calculator
Margin, markup and required price.
Profit Calculator
Gross and net profit with margins.
Depreciation Calculator
Straight-line or reducing-balance depreciation.
Inflation Calculator
How inflation erodes purchasing power.
APR ↔ APY Calculator
Convert nominal APR to effective APY/AER and back.
Fuel Cost Calculator
Journey fuel cost from distance, MPG and pump price.
Electricity Cost Calculator
Running cost of an appliance from watts and usage.
Currency Converter
Convert between currencies — indicative mid-market rates, not live.
Seller Fee Calculator
Net payout after marketplace and payment fees.
Overtime Pay Calculator
Overtime pay at your hourly rate and multiplier.
Paycheck Calculator
Net pay per paycheck after tax and NI.
Hourly to Salary Calculator
Convert hourly rate to annual salary.
Freelance Rate Calculator
Day rate needed to match a salary — covering tax, pension and downtime.
Roth IRA Calculator
Project tax-free Roth IRA growth at the annual contribution limit.
401(k) Calculator
Balance at retirement including your employer match.
Mutual Fund / SIP Calculator
Fund growth with monthly contributions and fee drag.
CD Calculator
CD maturity value at a given APY and term.
Social Security Calculator
Rough PIA estimate — bend points + early/late claiming adjustment.
VA Loan Calculator
VA payment with funding fee rolled in — no PMI.
IRA Calculator
Project tax-free Roth IRA growth at the annual contribution limit.
APY Calculator
Convert nominal APR to effective APY/AER and back.
Auto Loan Calculator
Monthly auto loan payment and total interest.
Taxable Income Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
Take Home Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
Payment Calculator
Monthly payment and total interest for any loan.
Monthly Payment Calculator
Monthly payment and total interest for any loan.
Exchange Rate Calculator
Convert between currencies — indicative mid-market rates, not live.
Currency Exchange Calculator
Convert between currencies — indicative mid-market rates, not live.
US Income Tax Calculator
Federal income tax estimate using 2025–26 brackets and the standard deduction.
US Paycheck Calculator
Take-home per paycheck after federal income tax, FICA (7.65%) and a flat state estimate.
Sales Tax Calculator
Work forward (price → total) or backward (total → pre-tax).
Tax Refund Calculator
Compare what was withheld against your actual federal liability.
Tax Withholding Calculator
Per-paycheck federal withholding using the percentage method — annualise, tax, divide.
1099 Tax Calculator
Contractors pay both halves of FICA — 15.3% self-employment tax on 92.35% of net income, plus income tax.
Quarterly Estimated Tax Calculator
Split your expected annual tax into four 1040-ES payments.
Property Tax Calculator
Home value × local tax rate. US average effective rate ≈ 1.1%.
Estate Tax Calculator
Federal estate tax applies only above the exemption (~$15M per person in 2026).
Tax Bracket Calculator
Marginal bracket vs the rate you actually pay across all income.
AGI Calculator
AGI drives credits, deductions and Roth eligibility.
Car Tax Calculator (VED)
VED depends on when the car was registered, its CO₂, and list price.
Umbrella Company Calculator
Your day rate funds employer NI and the umbrella margin before you see gross pay.
Tax Rebate Calculator
Claim flat-rate expense allowances — refund = allowance × your tax rate.
Marriage Allowance Calculator
The lower earner transfers £1,260 of personal allowance to a basic-rate-paying partner.
Australian Tax Calculator
Resident brackets 2024–25/25–26 plus the 2% Medicare levy.
PAYE Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
HMRC Tax Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
Tax Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
Salary After Tax Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
Weekly Paycheck Calculator
Net pay per paycheck after tax and NI.
Pay Stub Calculator
Net pay per paycheck after tax and NI.
Federal Tax Calculator
Federal income tax estimate using 2025–26 brackets and the standard deduction.
Income Tax Calculator
Federal income tax estimate using 2025–26 brackets and the standard deduction.
Tax Refund Estimator
Compare what was withheld against your actual federal liability.
W-4 Calculator
Per-paycheck federal withholding using the percentage method — annualise, tax, divide.
Paycheck Calculator (US)
Take-home per paycheck after federal income tax, FICA (7.65%) and a flat state estimate.
1099 Calculator
Contractors pay both halves of FICA — 15.3% self-employment tax on 92.35% of net income, plus income tax.
Australian Income Tax Calculator
Resident brackets 2024–25/25–26 plus the 2% Medicare levy.
CAC Calculator
CAC = all S&M spend ÷ new customers in the same period.
LTV Calculator
LTV = ARPU × gross margin ÷ monthly churn.
Churn Rate Calculator
Churn compounds — 3% monthly ≈ 31% annual customer loss.
Burn Rate Calculator
Gross burn = total spend; net burn = spend minus revenue. Runway = cash ÷ net burn.
Runway Calculator
Cash ÷ net burn — plus the version where revenue grows and spend doesn't wait.
ARR Calculator
ARR = MRR × 12 — but the waterfall (new, expansion, contraction, churn) is what investors read.
SaaS Valuation Calculator
Private SaaS trades at roughly 3–12× ARR depending on growth, churn and margin.
Customer Acquisition Cost Calculator
CAC = all S&M spend ÷ new customers in the same period.
Customer Lifetime Value Calculator
LTV = ARPU × gross margin ÷ monthly churn.
NRR Calculator
Churn compounds — 3% monthly ≈ 31% annual customer loss.
Startup Burn Calculator
Gross burn = total spend; net burn = spend minus revenue. Runway = cash ÷ net burn.
Salary to Hourly Calculator
Annual salary ÷ working hours. Adjust hours and weeks for your actual contract.
Daily Interest Calculator
Daily-compounded interest — APR divided by 365, compounding each day.
PTO Accrual Calculator
Most US plans accrue per pay period or per hour worked — UK holiday accrues at 12.07% for irregular hours.
Tax on Overtime Calculator
Overtime isn't taxed differently — it's taxed at your marginal rate, which can be higher than you expect.
Hourly Rate Calculator
Convert hourly rate to annual salary.
Hourly to Annual Calculator
Convert hourly rate to annual salary.
Yearly to Hourly Calculator
Annual salary ÷ working hours. Adjust hours and weeks for your actual contract.
Monthly Salary to Hourly Calculator
Annual salary ÷ working hours. Adjust hours and weeks for your actual contract.
Hourly Paycheck Calculator
Net pay per paycheck after tax and NI.
Overtime Pay Calculator
Overtime pay at your hourly rate and multiplier.
Hourly Wage Calculator
Convert hourly rate to annual salary.
Interest Per Day Calculator
Daily-compounded interest — APR divided by 365, compounding each day.
Vacation Accrual Calculator
Most US plans accrue per pay period or per hour worked — UK holiday accrues at 12.07% for irregular hours.
Hours Worked Pay Calculator
Convert hourly rate to annual salary.
Loan-to-Value Calculator
LTV = loan ÷ property value. Lower LTV = better mortgage rates — the band boundaries matter.
HELOC Calculator
Lenders cap combined LTV at 80–90% — your mortgage plus HELOC together.
Home Equity Calculator
Equity = value minus what you owe. Usable equity respects lender CLTV caps.
Car Loan LTV Calculator
Cars depreciate fast — LTV above 100% means negative equity from day one.
LTV Calculator
LTV = loan ÷ property value. Lower LTV = better mortgage rates — the band boundaries matter.
LTV Ratio Calculator
LTV = loan ÷ property value. Lower LTV = better mortgage rates — the band boundaries matter.
Mortgage LTV Calculator
LTV = loan ÷ property value. Lower LTV = better mortgage rates — the band boundaries matter.
Remortgage LTV Calculator
LTV = loan ÷ property value. Lower LTV = better mortgage rates — the band boundaries matter.
Auto Loan LTV Calculator
Cars depreciate fast — LTV above 100% means negative equity from day one.
HELOC LTV Calculator
Lenders cap combined LTV at 80–90% — your mortgage plus HELOC together.
Home Equity Loan Calculator
Lenders cap combined LTV at 80–90% — your mortgage plus HELOC together.
Equity Calculator
Equity = value minus what you owe. Usable equity respects lender CLTV caps.
Food Cost Percentage Calculator
Food cost % = ingredient cost ÷ menu price. Healthy restaurants run 28–35%.
APY Calculator
Convert nominal APR to effective APY/AER and back.
Simple Interest Loan Calculator
Interest on savings — simple or compound over time.
Rent Affordability Calculator
Landlords check 2.5–3× rent in gross income; the 30% rule is what keeps you comfortable.
Prorated Rent Calculator
Monthly rent ÷ days in month × days you occupy — the fair split for mid-month moves.
Commercial Stamp Duty Calculator
Commercial/freehold non-residential rates — lower bands than residential.
Rent vs Buy Calculator
Compare monthly outgoings — mortgage + costs vs rent, with appreciation as equity build.
Rent Calculator
Landlords check 2.5–3× rent in gross income; the 30% rule is what keeps you comfortable.
How Much Rent Can I Afford
Landlords check 2.5–3× rent in gross income; the 30% rule is what keeps you comfortable.
Second Home Stamp Duty Calculator
SDLT for England & NI — standard, first-time buyer or additional property.
UK Stamp Duty Calculator
SDLT for England & NI — standard, first-time buyer or additional property.
Rent Affordability by Income
Landlords check 2.5–3× rent in gross income; the 30% rule is what keeps you comfortable.
Rental Investment Calculator
Gross and net rental yield with monthly cash flow.
Solar Panel Calculator
UK yield ≈ 850–1,000 kWh per kWp/year depending on region and orientation.
EV Charging Cost Calculator
Home overnight (~7p/kWh) vs public rapid (~85p/kWh) — the gap is enormous.
Energy Bill Calculator
Bill = kWh × unit rate + standing charge. Dual-fuel both electric and gas.
Solar Cost Calculator
UK yield ≈ 850–1,000 kWh per kWp/year depending on region and orientation.
Solar Savings Calculator
UK yield ≈ 850–1,000 kWh per kWp/year depending on region and orientation.
Solar PV Calculator
UK yield ≈ 850–1,000 kWh per kWp/year depending on region and orientation.
Solar Estimator
UK yield ≈ 850–1,000 kWh per kWp/year depending on region and orientation.
EV Charge Cost Calculator
Home overnight (~7p/kWh) vs public rapid (~85p/kWh) — the gap is enormous.
kWh Cost Calculator
Running cost of an appliance from watts and usage.
Power Bill Calculator
Bill = kWh × unit rate + standing charge. Dual-fuel both electric and gas.
Statutory Redundancy Pay Calculator
Statutory redundancy pay from age, service and weekly pay.
Redundancy Calculator
Statutory redundancy pay from age, service and weekly pay.
NHS Redundancy Calculator
Statutory redundancy pay from age, service and weekly pay.
Statutory Maternity Pay Calculator
SMP — 6 weeks at 90%, then the flat weekly rate.
Pro Rata Salary Calculator
Part-time salary from a full-time equivalent figure.
Crypto Profit Calculator
Sell proceeds minus cost basis and fees — plus breakeven price.
DCA Calculator
Same amount each period at different prices → average cost per unit.
Staking Rewards Calculator
Staking compounds — APY (not APR) includes the compounding effect.
Mining Profitability Calculator
Revenue = your hashrate share × block rewards. Cost = watts × 24h × electricity rate.
Cash Back Calculator
Blended cashback — base rate on everything, bonus rate on categories.
Points Value Calculator
Points value = redemption value ÷ points used. Above ~1¢/point is decent; premium cabin redemptions hit 2–5¢.
Bitcoin Profit Calculator
Sell proceeds minus cost basis and fees — plus breakeven price.
Crypto DCA Calculator
Same amount each period at different prices → average cost per unit.
ETH Staking Calculator
Staking compounds — APY (not APR) includes the compounding effect.
Bitcoin Mining Calculator
Revenue = your hashrate share × block rewards. Cost = watts × 24h × electricity rate.
Amex Points Calculator
Points value = redemption value ÷ points used. Above ~1¢/point is decent; premium cabin redemptions hit 2–5¢.
Airline Miles Calculator
Points value = redemption value ÷ points used. Above ~1¢/point is decent; premium cabin redemptions hit 2–5¢.
Hotel Points Calculator
Points value = redemption value ÷ points used. Above ~1¢/point is decent; premium cabin redemptions hit 2–5¢.
Chase Points Calculator
Points value = redemption value ÷ points used. Above ~1¢/point is decent; premium cabin redemptions hit 2–5¢.
Cash Back Credit Card Calculator
Blended cashback — base rate on everything, bonus rate on categories.
Bonus Tax Calculator UK
Net bonus after tax and NI at your marginal rate.
Salary Sacrifice Calculator
What salary sacrifice saves in tax and NI.
Conversion Rate Calculator
Conversion rate and the revenue impact of improving it.
Life Insurance Cover Estimator
Rough cover target: income replacement + debts − assets.
Gold Value Calculator
Melt value of gold by weight and purity.
CAGR Calculator
CAGR — the smoothed annual growth rate between two values.
Present Value Calculator
What a future sum is worth today at a discount rate.
PAYE Tax Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
Auto Loan Calculator
Monthly auto loan payment and total interest.
Gross to Net Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
Tax Estimator UK
See what you actually take home after income tax and NI — 2025/26 rates.
Effective Annual Rate Calculator
Convert nominal APR to effective APY/AER and back.
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