Finance Calculators
Our free UK finance calculators cover the most common tax, salary, and investment calculations needed by individuals and small businesses. All tools use the current 2025/26 HMRC rates and are updated at the start of each tax year.
Whether you need to calculate your take-home pay after income tax and National Insurance, work out VAT on a purchase or sale, estimate a freelance day rate, or plan your savings, these calculators give you instant results in your browser — no account required and no data sent to our servers.
- ✓Calculate income tax and National Insurance for 2025/26
- ✓Work out VAT at 20%, 5%, or 0% in seconds
- ✓Convert annual salary to hourly, daily, or weekly pay
- ✓Estimate freelance day rates that cover tax and expenses
- ✓Plan savings goals with compound interest calculations
- ✓Calculate dividend tax for limited company directors
All Finance Calculators
Profit Margin Calculator
Work out your profit margin in seconds. Enter your revenue and your item cost (cost of goods sold) to see gross margin, net margin, and markup — each shown as a percentage of revenue. A free margin calculator UK small businesses, freelancers, and online sellers use to price products and keep a clear read on their financial health.
PopularUK VAT Calculator — Add or Remove VAT
Free online VAT calculator for UK businesses and individuals. Add VAT to any net amount or remove VAT from a gross amount instantly. Supports all UK VAT rates — standard 20%, reduced 5%, and zero rate. Use the reverse VAT calculator uk to find the net amount from a gross price, or work out the VAT portion on any products and services. Essential for completing your VAT return, checking invoices, or calculating the gross amount VAT-inclusive on a quote.
PopularIncome Tax Calculator UK 2026/27 — Take Home Pay
On a £35,000 salary in 2026/27 you pay around £4,486 in income tax and £1,790 in National Insurance, leaving take-home pay of about £28,720 a year — roughly £2,393 a month. This free calculator shows that breakdown instantly for any salary, whether you are employed (PAYE) or self-employed. Enter your gross salary to see exactly how much tax and other deductions come off — income tax, National Insurance, student loan, and pension — all against current 2026/27 rates and bands. Use it to see what 45k, 65k, or 90k really means in your pocket, model a pay rise, or compare salaries before you negotiate.
PopularFreelancer Day Rate Calculator
Find out exactly what day rate and hourly rate to charge as a UK freelancer based on your desired annual income, tax, and expenses. Works as a freelance salary calculator too — reverse-calculate the salary equivalent of any day rate.
PopularBreak-Even Calculator
Free break-even point calculator for UK businesses. Find out exactly how many units you need to sell — or how much revenue you need to generate — to cover all your costs and reach profitability. Fixed costs remain constant regardless of sales volume, while variable costs change with each unit. Understanding your break-even point is essential before launching a product, setting a price, or evaluating whether a business idea is viable.
Markup Calculator
A free markup calculator UK businesses can use to turn a cost price into a sale price in one step. Enter the cost of a product and your markup percentage to see the selling price, the cash profit, and the matching profit margin. You can also work backwards — enter cost and selling price to find the markup percentage you charge now. Markup is what you add on top of cost, shown as a percentage of cost, and it is one of the simplest pricing strategies for any product or service. Whether you set prices for a small business, a retail shop, or a consultancy, this tool shows your markup and margin side by side so you do not underprice.
ROI Calculator
Work out the return on any investment in seconds. Enter what you paid and what you got back — you instantly see your ROI percentage, net profit, and payback period. This free return on investment calculator works for any UK business decision: marketing campaigns, equipment purchases, property, or stock market positions. ROI expresses profit or loss as a percentage of cost, so you can compare very different investments side by side. The formula: ROI = (Net Return ÷ Investment Cost) × 100.
UK Savings Goal Calculator — ISA & Compound Interest
Free UK savings goal calculator and compound interest calculator uk. Works out how much should I save UK savers need each month to reach any savings target. Uses compound growth to model how savings interest and regular contributions accumulate over time in a savings account or Cash ISA. Enter your target amount of money, current balance, interest rate, and target date for an exact monthly saving figure. Use the isa calculator mode to model cash savings in a tax-free wrapper separately.
Salary to Hourly Calculator UK 2026/27 — Convert Any Salary Instantly
A £30,000 salary works out to about £15.38 an hour, £115.38 a day, £576.92 a week, or £2,500 a month — based on a standard 37.5-hour UK working week. This free tool converts any yearly salary to hourly, daily, weekly, and monthly rates instantly. It uses your actual hours worked, not a generic 40-hour assumption. Enter your gross salary and weekly hours to see exactly what your time is worth — handy for comparing a job offer against a freelance day rate, negotiating a pay rise, or working out overtime for 2026/27.
Dividend Tax Calculator
Calculate how much UK dividend tax you owe for 2026/27. Enter your salary and dividend income to see your total tax bill, breakdown by rate, and take-home amount.
Discount Calculator
Calculate sale prices, find discount percentages, and work out how much you save on any purchase.
Salary Sacrifice Calculator
See exactly how much you save through salary sacrifice. Covers pension, cycle to work, electric car, and childcare schemes. Shows income tax saving, NI saving, effective cost, and your employer's NI saving too.
Pro Rata Salary Calculator UK — Part-Time & Holiday Pay
Free UK pro rata salary calculator for part-time workers. Enter your full-time equivalent salary and weekly hours to instantly calculate your pro rata salary, monthly pay, weekly pay, and hourly rate. Use this to calculate pro rata salary or work out pro rata pay for any number of hours you work. Works as a salary calculator pro rata, a salary prorated calculator, and a part time salary calculator for part-time staff on reduced hours, showing exactly how your full-time pay is pro rated. Use the holiday tab to calculate pro rata annual leave and holiday entitlement. Covers the UK statutory minimum of 28 days for full-time workers, with pro rata holiday entitlement calculated automatically for any part-time schedule.
Pay Rise Calculator UK 2026/27 — Take-Home Pay After a Raise
Free UK pay rise calculator that shows exactly how much of a pay increase you actually keep after income tax and National Insurance. Enter your current salary and a pay rise as a percentage or a fixed £ amount to see your new salary, the change in take-home pay (annual and monthly), and the percentage of your raise that goes to tax and NI. Works as a salary increase calculator, an income increase calculator, and a raise in salary calculator — all using up-to-date 2026/27 UK tax bands.
PopularSalary Sacrifice Car Calculator UK 2026/27
Free salary sacrifice car calculator for UK employees. Find out your effective monthly cost after tax and NI relief, your Benefit in Kind (BiK) tax, and your net annual saving. Works for electric cars (EV), plug-in hybrids (PHEV), and petrol or diesel vehicles. Electric cars at 4% BiK in 2026/27 offer the biggest saving by far. Enter your salary, monthly lease cost, and P11D value to see your full breakdown instantly.
Pension Calculator UK 2026/27
Free UK pension calculator for 2026/27. Enter your current age, retirement age, existing pension pot, monthly contribution, and expected growth rate to project your total pension pot at retirement. The calculator shows estimated monthly income in retirement, compares your projected pot against your target, identifies any gap, and tells you how much extra you need to contribute each month to close it. Also shows the real cost of your contributions after basic rate (20%) and higher rate (40%) tax relief.