Property & Mortgage
Mortgage
Mortgage Overpayment Calculator
See how much interest you save and how many years you cut off by overpaying each month.
Mortgage
Early Repayment Charge Calculator
Should you pay the ERC and remortgage now — or wait? See break-even point and total saving.
Property
Stamp Duty Calculator (SDLT)
See your stamp duty bill before you buy — first-time buyer relief, standard and additional rates.
Buy-to-let
Rental Yield Calculator
See your gross and net rental yield — mortgage costs, voids, agent fees and tax all included.
Tax & Self-Employment
Self Assessment
Self-Employed Tax Calculator
See your take-home after income tax and Class 4 NI — payments on account included.
Freelancing
Freelancer Day Rate Calculator
Work backwards from your target take-home to find the day rate you actually need to charge.
Limited companies
Dividend Tax Calculator
See your optimal salary and dividend split — find the most tax-efficient extraction for Ltd directors.
Tax & NI saving
Salary Sacrifice Calculator
See how much you save on tax and NI through salary sacrifice — pension, EV or cycle to work.
Limited companies
Corporation Tax Calculator
See your corporation tax bill — 19% small profits, 25% main rate, with marginal relief calculated.
Payroll
Employer NIC Calculator
See the true NIC cost per employee at 15% above £5,000 — with Employment Allowance applied.
Contractor tax
IR35 Calculator
Compare take-home pay inside vs outside IR35 — see the real cost of an IR35 determination.
PAYE
P60 Tax Refund Calculator
Check if you've overpaid income tax — covers emergency tax codes, multiple jobs and mid-year leavers.
Hiring & Payroll
Hiring
Employee True Cost Calculator
A £35k salary costs far more than £35k. See the full picture including NIC, pension and on-costs.
Redundancy
Redundancy Pay Calculator
See your statutory redundancy entitlement — age bands, £643 weekly cap, tax-free up to £30k.
Employment rights
Holiday Pay Calculator
See your statutory holiday entitlement and pay — 28 days minimum, part-time pro-rata included.
Energy & Transport
Personal Finance
Estate planning
Inheritance Tax Calculator
See your IHT liability — nil-rate band, residence NRB and spouse exemption all applied.
Family finances
Child Benefit Tax Charge Calculator
Find out how much child benefit you keep after the high income charge — and if a pension contribution could restore it.
Student finance
Student Loan Repayment Calculator
Plan 1, 2, 4, 5 and Postgraduate — monthly repayment, years to clear, and whether to overpay.
Savings & investment
Compound Interest Calculator
See how your savings grow over time — monthly contributions, compounding frequencies and ISA wrappers.
Savings
Savings Goal Calculator
How long to reach your target — or how much to save each month. Includes interest and ISA options.
Financial health
Net Worth Calculator
Total assets minus liabilities — liquid vs illiquid split, benchmarked against UK averages by age.
Transport
Commute Cost Calculator
Compare car vs train vs WFH — true annual cost including fuel, parking, season tickets and tax relief.
Budgeting
Cost of Living Calculator
Budget your monthly outgoings and see what gross salary you need — factoring in tax and NI.
Health & Fitness
Nutrition
Protein & Creatine Calculator
Get your daily protein target and creatine dose based on body weight, goal and training intensity.
Running
Running Pace Calculator
Calculate pace, distance or finish time — with predicted splits for 5K, 10K, half and marathon.
Health
BMI Calculator
See your BMI and healthy weight range — with NHS categories, limitations and next steps.
Business
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