Free UK Financial
Calculators & Tools
16 free tools built for UK residents — ISA, LISA, pension, CGT, IHT, IR35, SDLT, and more. HMRC-aligned for 2025-26. No signup. No ads.
Take-Home Pay Calculator
PAYE breakdown with 2025-26 NI at 8% main rate, Personal Allowance taper above £100K, Student Loan plans 1/2/4/5.
Pension Tax Relief Comparator
Net Pay vs Relief at Source vs Salary Sacrifice — see which mechanism gives you the highest net contribution.
Pension Annual Allowance
Standard £60K allowance, tapered allowance above £260K adjusted income, carry-forward of 3 years' unused.
LISA Calculator
Lifetime ISA growth to age 60 (or first-home purchase) with the 25% government bonus on £4,000/year contributions.
CGT Calculator
Post-Budget-2024 CGT rates 18% / 24% on shares, ETFs, crypto, and residential property. £3,000 Annual Exempt Amount.
Dividend Tax Calculator
UK dividend tax with £500 allowance (2024 onward) and 8.75% / 33.75% / 39.35% rates by income band.
Inheritance Tax Calculator
40% IHT above the £325K NRB plus £175K RNRB for main-residence transfer to direct descendants. Frozen to 2030.
Stamp Duty (SDLT) Calculator
Post-April-2025 SDLT bands (zero-rate to £125K), FTB relief to £300K, +5% additional-property and +2% non-resident surcharges.
IR35 Calculator
Inside vs outside IR35 take-home for contractors — Chapter 8/10 ITEPA 2003 status comparison.
Marriage Allowance Calculator
Transfer up to £1,260 of PA to a basic-rate-band spouse — annual tax saving up to £252. Three-year backdating.
Mortgage Calculator
Repayment vs interest-only, amortisation schedule, total cost over the term.
Refinance Calculator
Remortgage break-even with early-repayment charges, arrangement fees, and rate-differential payback period.
Net Worth Calculator
Total net worth across ISAs, SIPP, property, and debts — compared against age-cohort UK benchmarks.
FIRE Calculator
UK FIRE number with ISA-first / SIPP-second tax-bridge strategy and State Pension integration at 67.
Compound Interest Calculator
Compound growth with monthly contributions, ISA-style tax-free vs general account scenarios.
Currency Converter
GBP to 30+ currencies with live rates for travel, remittance, and multi-currency portfolios.