🇬🇧 Updated for 2026/27 Tax Year
Free UK Finance Calculators
salary, mortgage, tax & more
Free UK finance calculators for salary, mortgage, savings, debt and more — always updated for the current HMRC tax year.
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Updated for 2026/27
13
Free calculators
£0
Cost to use
2026/27
Tax year coverage
100%
Browser-based
Our calculators
Everything you need to understand your money
Thirteen free tools covering the financial questions most UK adults face.
Salary Calculator
See your exact take-home pay after income tax, NI, pension and student loan. Supports all tax codes, Scottish rates and salary sacrifice.
Most popular
Mortgage Calculator
Monthly repayments, total interest, LTV insights, overpayment savings and a full amortisation timeline.
Detailed
Compound Interest
Watch your money grow over time. Model ISAs, pensions and savings accounts with monthly contributions and variable compounding.
Investing
Debt Payoff
Calculate how long to pay off credit cards and loans. See how extra payments save you thousands in interest.
Debt-free
Savings Goal
How much do you need to save each month to hit your target? Model any goal — house deposit, emergency fund, holiday.
Goals
Real Hourly Wage
Your actual hourly rate after commuting time, unpaid overtime and work expenses. The number your employer doesn't show you.
Eye-opening
Salary vs Inflation
Is your pay rise beating inflation? See your real purchasing power change and how fiscal drag is quietly reducing your take-home.
Inflation
Net Worth
Assets minus liabilities — your complete financial picture. Track property, pensions, investments and debts in one place.
Wealth
Stamp Duty
Calculate your exact SDLT bill for any property price. Covers first-time buyers, home movers and the additional property surcharge.
Property
ISA Calculator
Project your Stocks & Shares or Cash ISA pot with tax-free compound growth, monthly contributions and a flexible time horizon.
Tax-free
Pension Pot
Forecast your retirement pot with employer contributions, salary sacrifice tax relief and long-term investment growth.
Retirement
Capital Gains Tax
Work out your CGT bill on shares, property and crypto. Covers the 18%/24% rates, annual exempt amount, losses and Business Asset Disposal Relief.
Tax
Inheritance Tax
Estimate the IHT bill on any estate. Includes nil-rate band, residence nil-rate band, spouse transfers, gifts and charitable legacy relief.
Tax
Why CashCalcHub
Built for UK earners
Accuracy first
All calculations use current HMRC rates for 2026/27, including Scottish tax bands, NI thresholds and student loan plans.
Privacy by default
Every calculation happens in your browser. We never see, store or transmit your financial data.
No jargon
Clear explanations of every result, with tips on how to improve your position — not just numbers on a screen.
Works everywhere
Fully responsive on mobile, tablet and desktop. No app to download, no account to create.
From the blog
UK finance guides
Practical articles paired with our calculators.
Tax
UK Take-Home Pay 2026/27 — What Changed
Every threshold, rate and change for the new tax year explained clearly.
Tax
The £100,000 Tax Trap Explained
How the personal allowance taper creates a 60% effective tax rate — and how to avoid it.
Mortgage
How Much Mortgage on a £40,000 Salary?
Income multiples, affordability checks and monthly repayment figures for 2026.
Inflation
Is Your Salary Keeping Up With Inflation?
UK CPI at 3.4% in early 2026 — find out if your pay is really keeping pace.
Property
Stamp Duty Guide 2026 — Rates, Thresholds & First-Time Buyers
How SDLT is calculated, the first-time buyer relief, and the additional property surcharge explained.
Tax
National Insurance Explained — How Much You Really Pay
Class 1, 2 and 4 NI rates, thresholds and how the employer rise affects your pay packet.
Start with your salary
Enter your gross salary and see exactly where every pound goes — tax, NI, pension and take-home pay in seconds.
Calculate your take-home pay →