All Free Calculators
29 free online calculators for UK businesses, freelancers, sole traders, and homeowners. All financial tools use the latest 2025/26 HMRC rates. No signup, no fees, no data sent to our servers.
Browse by category below — from income tax and VAT to stamp duty, profit margins, BMI, and more. Every calculator gives you instant results in your browser.
Finance Calculators
Tax, VAT, salary, and investment calculators for UK businesses
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.
Property Calculators
Mortgage, stamp duty, rental yield and affordability calculators
UK Stamp Duty Calculator 2025 — SDLT Land Tax
Find out exactly how much stamp duty land tax (SDLT) you will pay on any residential property or land purchase in England. Updated for April 2025 SDLT rates. Covers standard purchases, first-time buyer relief, second home surcharge, and buy-to-let properties. Stamp duty is calculated in bands — this calculator applies the correct rate to each portion automatically, so any UK resident can quickly work out their total SDLT liability before making an offer.
PopularWales Land Transaction Tax Calculator 2026 — LTT
Calculate how much Land Transaction Tax (LTT) you will pay on any property purchase in Wales. Covers standard residential purchases, additional properties (buy-to-let and second homes), and non-residential or mixed-use transactions. Updated for the December 2024 higher residential rate changes. Wales LTT is administered by the Welsh Revenue Authority — not HMRC — and uses different rates and thresholds to England's stamp duty.
UK Mortgage Affordability Calculator — How Much Can I Borrow?
Free mortgage calculator UK — use this calculator to work out how much you can borrow based on your salary and deposit. This mortgage affordability calculator uk uses the standard 4–4.5x income multiple UK mortgage lenders apply. Includes a mortgage repayment calculator for regular monthly payment estimates, interest only mortgage comparison, overpayment of mortgage calculator to model overpayments and remaining term reductions, and life insurance cost guidance. Also works as a mortgage calculator how much can i borrow tool for joint applications.
PopularMortgage Overpayment Calculator UK — See How Much You Save
Free mortgage overpayment calculator UK — enter your mortgage balance, interest rate, remaining term, and monthly overpayment to see exactly how much interest you save and how many years you knock off your mortgage. Supports both monthly overpayments and one-off lump sum payments. Includes an overpayment comparison table so you can instantly compare the savings from £100, £200, or £500 extra per month. Most UK lenders allow up to 10% of the outstanding balance overpaid each year without an early repayment charge — this calculator helps you model that benefit.
PopularRent Affordability Calculator
Find out what rent you can afford based on your salary and take-home pay. Uses UK rental affordability guidelines to show your maximum monthly rent budget and whether you pass the standard landlord income check.
Rental Yield Calculator
Free rental yield calculator for UK landlords and property investors. Calculate gross and net yield — including net initial yield — on any buy-to-let property. Works as a property yield calculator, a property investment calculator, and a buy to let calculator for comparing returns across properties. Enter your property value, monthly rent, mortgage payments, and annual costs to see cash flow and overall return. Essential for long term buy to let investments due diligence.
Business Calculators
Profit, break-even, ROI and business planning calculators
Ecommerce Profit Calculator
Calculate your actual profit per order after product costs, shipping, platform fees, and advertising spend. Works for Shopify, Amazon, eBay, and Etsy.
Contractor vs Employee Calculator
Compare your take-home pay as a PAYE employee vs a contractor operating through a limited company. Includes IR35 considerations.
IR35 Calculator
See exactly how much more you take home outside IR35 vs inside IR35. Enter your contract day rate and get a side-by-side comparison in seconds.
Health & Fitness Calculators
BMI, calories, sleep cycles, and hydration calculators
UK BMI Calculator — Body Mass Index (NHS)
Free BMI calculator for UK adults. Use this BMI calculator to find your BMI and check if you are a healthy weight. This BMI calculator works for women and men. Enter your height and weight and your estimated BMI appears in seconds. You will also see your NHS weight category and your healthy weight range for your height. BMI is a useful guide, but it is just one piece of the picture. It does not measure body fat directly. Muscle, age, and body shape all affect what your number really means.
PopularSleep Calculator
Find the optimal times to wake up based on 90-minute sleep cycles so you wake feeling refreshed instead of groggy.
PopularUK Calorie Calculator — TDEE & Daily Calories
Free UK calorie calculator. Calculate your Total Daily Energy Expenditure (TDEE) and find exactly how many daily calories your body needs to lose weight, maintain, or build muscle mass. Uses the Mifflin-St Jeor formula for basal metabolic rate (BMR) — the most accurate method for estimating the calories your body burns at rest. Includes thermic effect of food, physical activity multipliers, and calorie counting targets. Set your goal and get a precise daily calorie figure instantly.
Water Intake Calculator
Free water consumption calculator — find out the amount of water you should drink daily based on your weight and activity level. Get your recommended water intake in litres and glasses based on NHS hydration guidelines. Staying hydrated helps regulate body temperature, supports weight loss and losing weight goals, and boosts energy and concentration. Your body loses water constantly through breathing, sweating, and urination — this calculator helps you stay hydrated throughout the day.
NHS Blood Pressure Checker — Blood Pressure Chart UK
Free NHS blood pressure checker for UK adults. Enter your systolic and diastolic blood pressure reading and see instantly which NHS category it falls into — low, ideal, pre-high, or hypertension stage 1 or 2. Includes the full NHS blood pressure chart so you can see where your reading sits. High blood pressure (hypertension) affects around 1 in 3 adults in the UK and is a leading risk factor for heart attack and stroke. Most people with high blood pressure have no symptoms, which is why checking it regularly matters.
Child Growth Chart Calculator UK — NHS Centile Chart
Free UK child growth chart calculator for ages 0–18 years. Enter your child's age, sex, height, and weight to see which centile band they fall into based on UK growth chart reference data (WHO Child Growth Standards for 0–5 years and UK90 reference data for 5–18 years). The UK growth chart uses nine centile lines — from the 0.4th to the 99.6th — to show the normal range of growth. Most healthy children grow between the 9th and 91st centile. Readings below the 2nd or above the 98th centile are flagged for GP review.