Every personal finance calculator you need — tax, mortgage, savings, debt and pensions. Free, no sign-up, always current.
See exactly how much you take home after income tax, National Insurance and deductions — using 2026/27 HMRC rates. The most searched finance question in the UK, answered precisely.
Work out what you can borrow, what your repayments will be, and how much stamp duty you owe. Uses 2026/27 SDLT rates and standard lender income multiples.
See how compound interest and tax-efficient wrappers like ISAs grow your money over time. Model different rates, time horizons and contribution levels.
Understand the true cost of borrowing, model overpayments, and build a plan to clear debt faster. Covers personal loans, credit cards, car finance and budget management.
Project your pension pot, understand tax relief, and plan contributions around the 2026/27 annual allowance. Covers workplace pensions, SIPPs and salary sacrifice.
Exact take-home pay for common UK salaries. Click any row for the full breakdown.
Key rates and thresholds for England, Wales and Northern Ireland.
| Personal Allowance | £0 – £12,570 |
| Basic Rate (20%) | £12,571 – £50,270 |
| Higher Rate (40%) | £50,271 – £125,140 |
| Additional Rate (45%) | £125,140+ |
| Below £12,570 | 0% |
| £12,570 – £50,270 | 8% |
| Above £50,270 | 2% |
| Up to £250,000 | 0% |
| £250,001 – £925,000 | 5% |
| £925,001 – £1.5m | 10% |
| Above £1.5m | 12% |
| Plan 1 (9%) | above £24,990 |
| Plan 2 (9%) | above £27,295 |
| Plan 5 (9%) | above £25,000 |
| Postgraduate (6%) | above £21,000 |
The UKCalc money hub covers every major personal finance calculation you'll need as a UK taxpayer or resident. All 20 calculators are updated at the start of each tax year to reflect the latest HMRC rates, and linked to 20 in-depth guides that explain the underlying rules in plain English.
The most searched UK finance question is "how much is £X after tax?" Our take-home pay calculator handles any gross salary with pension contributions, student loan deductions and self-employment. For common salary amounts, use the quick-reference salary grid above. To understand how your income splits across tax bands, read how UK income tax works.
Buying a home involves calculations most people get wrong: how much stamp duty is owed, and how much a lender will actually offer. Our stamp duty calculator uses 2026/27 SDLT rates. The mortgage affordability calculator uses standard lender income multiples. Read how much mortgage you can afford for a full explanation of lender criteria.
The ISA annual allowance for 2026/27 is £20,000. All growth within an ISA is free from income tax and capital gains tax. See ISA vs savings account to understand when a cash ISA beats a regular savings account, and use the compound interest calculator to see how growth accumulates over time.
The fastest way to improve your finances is often clearing high-interest debt. A credit card at 24.9% APR costs more in interest than any savings account earns. See whether to overpay debt or save, and use the loan repayment calculator to model overpayment savings.
The pension annual allowance for 2026/27 is £60,000 (or 100% of earnings, whichever is lower). All contributions receive tax relief at your marginal rate. Employer contributions under auto-enrolment are free money — capturing the full employer match is almost always the right financial decision before any other savings or investment. Use the pension calculator to project your retirement pot.