Free calculators
Free tax and pay calculators, in plain English.
Quick answers to everyday money questions, worked out with HMRC's current rates. Free, with no sign-up, and we don't keep what you type.
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Your pay
- What will I take home?Enter your salary to see what lands in your bank account after tax, National Insurance, your pension and any student loan.Open calculator
- What your pay rise or bonus is really worthSee how much you keep after tax, and how much would go into your pension if you gave it up instead.Open calculator
- Is working a fifth day worth it?Going down to four days costs you less than a fifth of your take-home pay. See what your fifth day really earns.Open calculator
- What you really earn an hourYour payslip counts your paid hours. This counts every hour work really takes, and what's left after tax and travel.Open calculator
- Your tax freedom dayIf everything you earned from 6 April went to HMRC first, the day you'd start working for yourself.Open calculator
- Bikes and motorbikes through workGet a bike through work and pay no tax or National Insurance on what it costs.Open calculator
Family and gifts
Savings, pensions and giving
- Will your savings interest be taxed?With higher interest rates, more people are paying tax on savings. See whether you will, now and when the rates rise in April 2027.Open calculator
- Tax back on donations to charityGift Aid adds 25p to every £1 you give. If you pay tax above the basic rate, you can claim some back too.Open calculator
- How much can you pay into your pension this year?Most people can pay up to £60,000 a year into pensions with tax relief. See how much room you have left.Open calculator
- How much can you put in a cash ISA?You can pay £20,000 a year into ISAs. From April 2027, under-65s can only put £12,000 of it in cash.Open calculator
Property
- Taking in a lodger: which way pays least tax?Rent a Room lets you earn £7,500 a year tax-free from a lodger. If your costs are high, the normal way can still be cheaper.Open calculator
- Stamp duty on a purchaseEnter the price to see the stamp duty you'd pay on a home in England or Northern Ireland.Open calculator
- Does your company owe the yearly tax on homes it owns?Companies that own a home worth over £500,000 pay a yearly tax on it, unless relief applies.Open calculator
Work and business
- Mileage you can claim or pay tax-freeThe tax-free rate for cars and vans went up to 55p a mile in April 2026. See what you can be paid, or claim back.Open calculator
- Is hiring an apprentice cheaper?You pay no employer's National Insurance on pay up to £50,270 for apprentices under 25 and anyone under 21.Open calculator
- Sick, maternity and paternity pay: what you owe and claim backFor employers: what you pay and what you claim back for statutory sick, maternity or paternity pay.Open calculator
- Is our staff party or gift taxed?A party under £150 a head and gifts under £50 are tax-free. Go a penny over and all of it is taxed.Open calculator
- Do I pay tax on my work van?A work van you only drive for work and to get to work isn't taxed. Personal use usually is.Open calculator
Our calculators give guidance, not advice for your situation. Each one shows how it’s worked out and which official rates it uses. For anything that matters, book a free call and we’ll go through it with you.
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