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
Free UK gross margin calculator and business margin calculator for UK businesses. Enter revenue and costs to see the gross margin formula result and net margin formula result instantly — both expressed as a percentage of total revenue. Works as a gross profit calculator, a profit calculator uk, and a margin calculator uk in one. Essential for tracking financial health, benchmarking margin percentage, and managing operating costs across product lines.
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 2025/26 — Take Home Pay
Free income tax calculator UK 2025/26 — the most complete take home pay calculator uk available. Find your exact salary after tax, National Insurance contributions, and any other deductions. Use it as a PAYE calculator, a tax calculator take home pay tool, a net pay calculator uk, or a gross income calculator. Wondering how much do i take home on a specific salary? Use this to check 45k after tax, 65000 after tax, 85k after tax, 90k after tax, or any other amount. Model a pay rise, check your tax code, and understand exactly how much would i earn after tax on any income.
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
Calculate selling price from cost and markup percentage, or find the markup on any product. Understand the difference between markup and margin.
ROI Calculator
Free ROI calculator uk and investment calculator for any business decision. Calculate return on investment roi — enter your purchase price and total net return to see roi figures instantly. Works as a marketing roi calculator for campaign tracking, a real estate investment calculator, and a stock market return tool. The roi metric expresses profit or loss as a percentage of cost, making it ideal for comparing investments and improving the bottom line. Use the roi formula: (Net Return ÷ Investment Cost) × 100 to support your investing decisions.
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 — Convert Any Salary Instantly
Free UK salary to hourly calculator — convert any annual salary to hourly, daily, weekly, and monthly rates instantly. Works as an hourly wage calculator, a salary hourly rate calculator, and a day rate calculator for freelancers and contractors. Wondering how to figure hourly rate from salary or how to calculate annual salary to hourly wage? Enter your gross salary and this hourly pay estimator works it out instantly. Useful for comparing a job offer against a freelance rate, calculating overtime, or understanding what your working time is worth. Accounts for standard UK working hours, bank holidays, and contracted hours per week.
Dividend Tax Calculator
Calculate how much UK dividend tax you owe for 2025/26. 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 hours combination. Works as a salary calculator pro rata, a salary prorated calculator, and a part time salary calculator for employees on reduced hours. 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.
Salary Sacrifice Car Calculator UK 2025/26
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 3% BiK in 2025/26 offer the biggest saving by far. Enter your salary, monthly lease cost, and P11D value to see your full breakdown instantly.