All Free Calculators
32 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
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.
Property Calculators
Mortgage, stamp duty, rental yield and affordability calculators
UK Stamp Duty Calculator 2026/27 — SDLT Land Tax
On a £300,000 home, a standard buyer pays £5,000 in stamp duty (SDLT) — but a first-time buyer pays £0, and a buyer purchasing an additional property pays £20,000. This free calculator works out exactly how much stamp duty land tax you'll pay on any English or Northern Irish property purchase in 2026/27, applying the current band rates automatically based on your purchase price and buyer type (standard, first-time buyer, second home, or buy-to-let). Stamp duty is charged in bands — like income tax — so you only pay each rate on the portion of the price within that band, not on the whole amount. Enter your purchase price below to see your exact SDLT bill before you make 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.
PopularBusiness 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 — BMI Checker (NHS Categories)
Free BMI calculator for UK adults. Calculate your body mass index (BMI) and check whether you are a healthy weight. Enter your height and weight, and your BMI result appears in seconds, along with your NHS weight category and the healthy weight range for your height. Body mass index (BMI) is a useful long term guide to your overall health, but it is only one piece of the picture. It does not measure body fat or body composition directly, so muscle mass, age, and body shape all affect what your BMI result really means.
PopularSleep Calculator UK — Best Bedtime & Wake Up Times
Find the best times to wake up or fall asleep based on 90-minute sleep cycles, so you wake feeling refreshed instead of groggy. Enter your alarm time and this sleep cycle calculator counts back through complete cycles to show your ideal bedtimes — or work forwards from your bedtime to find the best wake-up times.
PopularUK Calorie Calculator — TDEE & Daily Calories
Free UK calorie and TDEE calculator. TDEE stands for Total Daily Energy Expenditure — the total amount of energy your body burns in a day. This tool first estimates your basal metabolic rate (BMR) using the Mifflin-St Jeor formula, then applies your activity level to give your full TDEE and personalised calorie targets. Use it to set a clear starting point for weight loss, maintenance, muscle gain, or general weight management, and get a precise daily calorie figure in seconds.
TDEE Calculator — Total Daily Energy Expenditure
Free TDEE calculator — find your Total Daily Energy Expenditure and exact daily calorie target for weight loss, maintenance, or muscle gain. Uses the Mifflin-St Jeor formula (the most accurate BMR method) adjusted for your activity level. Unlike a generic calorie guide, this TDEE calculator gives you a personalised number based on your body and lifestyle. The NHS recommends 2,000–2,500 calories as a general figure — your actual TDEE may be significantly higher or lower depending on your age, weight, and how active you are.
How Much Water to Drink a Day Calculator — UK Water Intake Tool
Free water intake calculator. Find out how much water you should drink each day, based on your weight and activity level. You get a recommended daily amount in litres and cups, using NHS hydration guidelines. Staying hydrated helps your body work properly. It regulates your temperature, supports weight loss, and boosts energy and concentration. If you exercise, or are pregnant or breastfeeding, you need to drink more. Your body loses water all day through breathing, sweating, and urination, so keep a bottle nearby and sip regularly.
Blood Pressure Checker — NHS Blood Pressure Chart UK
Check any blood pressure reading against the NHS categories in seconds. Enter your systolic and diastolic numbers to see which band you fall into — low, ideal, pre-high, or hypertension stage 1 or 2. The full NHS blood pressure chart is included, so you can see exactly where your reading sits. High blood pressure (hypertension) affects around 1 in 3 UK adults and is a leading risk factor for heart attack and stroke. Most people with it have no symptoms. That is why a regular blood pressure test matters — at home, at a pharmacy, or at your GP surgery.
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.