Free UK money calculators
Quick, private calculators that run in your browser. Nothing you type is stored or sent anywhere.
Tax & Pay
Take-home pay, tax on salary and dividends, student loan repayments, holiday entitlement, redundancy pay and the £100,000 and Child Benefit traps.
- Take-home pay calculatorYour salary after Income Tax, National Insurance, student loan and pension, per year, month and week (2026-27).
- Salary after taxTake-home pay for 36 common salaries from £20,000 to £150,000, with student loan and pension comparisons.
- Student loan repayment calculatorWhat you repay on Plan 1, 2, 4, 5 and a Postgraduate Loan each year, month and week, for salaries and self-employed profit.
- Dividend tax calculatorDividend tax at 10.75%, 35.75% and 39.35% on top of your salary, the £500 allowance band by band, and whether you need Self Assessment.
- Child Benefit charge calculatorHow much Child Benefit you pay back between £60,000 and £80,000, and the pension or Gift Aid that would bring you under.
- Pension & adjusted net income calculatorHow pension contributions and Gift Aid change your adjusted net income, the £100,000 taper and the childcare limit.
- Holiday entitlement calculatorStatutory annual leave in days or hours: full-time, part-time, compressed hours, starters, leavers and 12.07% irregular hours.
- Statutory Sick Pay calculatorSSP for 2026-27: £123.25 a week or 80% of earnings from the first day off sick, with daily rates, part weeks and the 28-week limit.
- Maternity & paternity pay calculatorSMP and SPP for 2026-27: 90% of earnings, then £194.32 a week, with your qualifying week, eligibility and a 39-week schedule.
- Redundancy pay calculatorStatutory redundancy pay for 2026-27 (£751 a week cap, £783 in NI), plus notice pay, holiday owed and the £30,000 tax-free limit.
- UK tax rates APIFree JSON and CSV of 2026-27 tax bands, National Insurance, student loan, dividend, mileage and VAT rates plus tax deadlines.
Self-Employed
For sole traders, freelancers, side hustles and landlords: what to set aside for tax, allowances, mileage, VAT and late-paying clients.
- Tax set-aside calculatorEstimate Income Tax and Class 4 NI on your profit, plus a monthly pot and a payments-on-account note.
- £1,000 trading allowance calculatorClaim the allowance or your actual expenses, and do you need to register for Self Assessment?
- Mileage allowance calculatorYour HMRC simplified mileage claim at 55p then 25p a mile (2026-27), or 24p for motorcycles.
- VAT calculator & threshold checkerAdd or remove VAT at 20%, 5% or 0%, then check your rolling 12-month turnover against the £90,000 threshold.
- Late payment interest calculatorStatutory interest (8% + base rate) and the £40/£70/£100 compensation on an overdue business invoice.
- Rental income tax calculatorFor landlords: taxable rental profit, the £1,000 property allowance vs actual expenses, and the 20% mortgage interest credit.
- Making Tax Digital for Income Tax checkerDo you need MTD for Income Tax, and from when? Over £50,000 from April 2026, £30,000 from 2027 and £20,000 from 2028.
- Tax deadlines calendarEvery Self Assessment, Making Tax Digital and tax-year deadline, free to subscribe to in Google, Apple or Outlook.
Household
Budget your bills and make the most of childcare support and Child Benefit.
- Bills monthly cost calculatorTurn weekly, quarterly and annual bills into one monthly figure.
- Christmas budget calculatorGift budgets per person, food, cards and postage, travel and decorations, and how much to save each week or month before Christmas.
- Tax-Free Childcare calculatorWhat you pay in vs the government's 20% top-up for each child, the £500 3-month cap and an eligibility check.
Guides
Short, plain-English guides to UK tax and money rules, each checked on GOV.UK and linked to a free calculator.
- How much tax to set asideHow Income Tax and Class 4 NI add up, payments on account with a first-year example, and the key deadlines.
- £1,000 trading allowance guideFull and partial relief, allowance vs expenses, and when you need Self Assessment.
- Mileage & expenses guideHMRC mileage rates, what the flat rate covers, working-from-home flat rates and common allowable costs.
- Landlord rental income tax guideProperty allowance vs expenses, allowable costs, the 20% mortgage interest credit and Making Tax Digital dates.
- Making Tax Digital for Income Tax checkerDo you need MTD for Income Tax, and from when? Over £50,000 from April 2026, £30,000 from 2027 and £20,000 from 2028.
- Late paying clients guideWhen an invoice is legally late, statutory interest, fixed compensation and how to chase politely.
- The £100,000 tax trap guideAdjusted net income, the effective 60% rate between £100,000 and £125,140, the childcare cliff and how pension payments help.
- Child Benefit charge guideWhat counts as adjusted net income, the £60,000 to £80,000 taper with examples, and whether to opt out.
- Plan 2 vs Plan 5 student loansWho is on which plan, the £29,385 and £25,000 thresholds, interest and the 30 vs 40-year write-off.
- Holiday entitlement guide5.6 weeks and the 28-day cap, bank holidays, part-time and compressed hours, 12.07% for irregular hours, carry-over and holiday pay.
- Statutory Sick Pay guideSSP from April 2026: £123.25 or 80% of earnings from day one, who qualifies, daily rates, linked spells, fit notes and SSP1.
- Maternity & paternity pay guideSMP, Maternity Allowance and SPP for 2026-27: 90% then £194.32, the qualifying week, day-one paternity leave and worked examples.
- Redundancy pay guideWho qualifies, age bands and the £751 cap (£783 NI), notice and holiday pay, tax over £30,000, deadlines and the Redundancy Payments Service.
- Tax-Free Childcare guideThe £2-for-every-£8 top-up, the £500 every 3 months limit, earnings and £100,000 rules, with worked examples.
- Household bills & budget guideHow to list mixed-frequency bills, convert them to monthly, and stay ahead of renewals.
- Christmas budget calculatorGift budgets per person, food, cards and postage, travel and decorations, and how much to save each week or month before Christmas.
Want it all in a spreadsheet?
Straight Sums makes simple Excel and Google Sheets templates for UK side hustles and household budgets. Start with the free £1,000 trading allowance checker, then upgrade if you want the full tracker.
- Free UK £1,000 Trading Allowance CheckerA one-page spreadsheet that tells you whether the £1,000 allowance or your actual expenses works out better.Free
- UK Self-Employed Starter PackThe Side-Hustle Income & Expense Tracker, Mileage & Allowable Expenses Log and Tax Set-Aside Planner together (£23 separately, save £6).£17
- UK Family Finance PackThe Household Bills & Budget Planner and the Pension & Adjusted Net Income Planner together (£14 separately, save £3).£11