All calculators

172 free UK tax calculators across 9 categories. Every one shows the tax year it used and the rules it applied.

Showing 49–72 of 172

Freelancer Tax Health ScoreYour freelancer tax health score is a fast way to see whether your self-employment finances are genuinely under control, or quietly heading for a January scramble. Rather than guessing, the tool above scores how ready you are across the things HMRC actually cares about: being registered, keeping records, putting money aside, and hitting deadlines. It is built for UK sole traders, side-hustlers and freelancers who file a Self Assessment return and want a plain checklist of what to fix next.
Gilt Ladder CalculatorSpread a lump sum across gilts maturing in successive years, so cash comes back to you steadily - and tax-efficiently, since gilt gains are free of Capital Gains Tax. Build your ladder and see the year-by-year maturity schedule.
Gilt Yield Calculator (After-Tax)Work out the real, after-tax return on a UK government gilt - and see the savings rate you'd need to beat it. Because gilt capital gains are free of Capital Gains Tax and only the coupon is taxed, a low-coupon gilt bought below £100 can comfortably out-earn a taxed savings account, especially for higher and additional-rate taxpayers.
Gilt vs Savings vs ISA CalculatorWhere should your cash live? Compare the after-tax return on the same lump sum across a taxed savings account, a low-coupon gilt (gain CGT-free), a cash ISA and Premium Bonds - and see the clear winner for your tax band.
Gross to Net CalculatorThis gross to net calculator turns your headline UK salary into the money that actually lands in your bank account for the 2026/27 tax year. Enter your gross annual pay and it strips out Income Tax and National Insurance to show your net figure - yearly, monthly and weekly. It's built for employees on PAYE who want to know exactly what's left after deductions. Gross is what your contract says. Net is what you keep. The gap between the two is rarely obvious, so the tool below does the gross-to-net maths for you in seconds.
Holiday Entitlement CalculatorThis holiday entitlement calculator works out the statutory paid annual leave you are legally owed, based on how many days or hours you work each week. Almost every UK worker builds up at least 5.6 weeks of paid holiday a year, but the figure in days depends on your pattern of work, and part-timers, shift workers and people who start partway through the leave year are easy to short-change. Whether you are an employee checking a contract, a manager setting up rotas, or a new starter wondering how much leave you have, enter your working pattern above and read on to see exactly how the maths is done.
Hourly Rate CalculatorThis hourly rate calculator turns a salary into an hourly figure, and converts the other way too, so you can compare any job or contract on a like-for-like basis. Pop in your pay, choose how often you're paid and the hours you work, and you'll see your rate in seconds. It's built for anyone weighing up a new role, a freelance day rate, an overtime shift or a part-time offer. The figures here are gross (before tax) unless you say otherwise, which keeps the comparison clean before deductions come into play.
House Deposit CalculatorUse our free House Deposit Calculator to get an instant estimate.
How Much Can I Borrow CalculatorThis how much can I borrow calculator gives you a fast, realistic estimate of the mortgage a UK lender might offer, based on your income, deposit and monthly commitments. Most banks lend somewhere between 4 and 4.5 times your annual income, but the real figure depends on your spending, debts and the lender's stress test. It is built for first-time buyers, home movers and anyone remortgaging who wants a sensible borrowing ceiling before they start viewing properties or speaking to a broker.
How Much Tax Am I Overpaying?If you have ever wondered "am I paying too much tax?", this checker gives you a quick, honest answer. It compares the tax you have actually paid against what HMRC's rules say you should owe for the 2026/27 tax year, then flags the gap and the likely reason for it — a wrong tax code, emergency tax, unclaimed relief or a refund still sitting with HMRC. It is built for UK employees, pensioners and the recently self-employed who suspect a chunk of their pay has quietly disappeared and want to know whether any of it is reclaimable.
IR35 Status CheckerThis IR35 calculator helps you check whether a contract is likely to fall inside or outside IR35 (the off-payroll working rules) by walking through the working practices HMRC actually looks at. It is built for UK limited-company contractors, freelancers and the clients who engage them, and gives you a plain-English read on your status before money or deadlines are on the line. IR35 decides whether HMRC treats you as genuinely in business on your own account, or as a "disguised employee" who should be taxed almost like an employee. Get it wrong and the bill, plus interest and penalties, can be severe.
ISA CalculatorThis ISA calculator shows how much your Cash or Stocks & Shares ISA could be worth after a few years of saving, with every penny of growth sheltered from UK tax. Pop in an opening balance, what you'll add each month, the return you expect and the number of years, and you'll get a year-by-year picture of how compounding builds your pot. It's built for anyone using their £20,000 annual ISA allowance, whether you save a lump sum once a year or drip-feed a set amount each month. Seeing your projected balance laid out year by year makes it easier to set a realistic savings goal and stay on track.
Import Duty CalculatorUse our free Import Duty Calculator to get an instant estimate.
Income Tax CalculatorThis income tax calculator shows exactly how much Income Tax you pay on your salary in the 2026/27 tax year, and what is left as take-home pay once National Insurance is taken into account. Enter your gross salary above and you get the tax due, the effective rate as a percentage of your wages, and your net pay broken down by month and by year. It is a full UK tax calculator for employees on PAYE across England, Wales and Northern Ireland, with a note on where Scotland differs. You will see how the £12,570 personal allowance and the 20%, 40% and 45% bands apply to your income, plus how a pension or student loan changes the result.
Index-Linked Gilt CalculatorIndex-linked gilts ("linkers") protect your buying power: the principal grows with inflation on top of a real yield. Project the nominal value at maturity and see the inflation-proof real return.
Inflation CalculatorThis inflation calculator shows how the buying power of your money changes over time, so you can see what a sum is really worth after years of rising prices. Enter an amount, a start and end point, and an inflation rate, and the tool tells you how far that money stretches in today's terms. It is built for anyone in the UK weighing up savings, a pay rise, a pension pot or the cost of living. Because inflation is market-driven rather than a fixed government rate, the calculator lets you choose the figure, whether you follow CPI, RPI or your own estimate.
Inheritance Tax CalculatorUse our free Inheritance Tax Calculator to get an instant estimate for the 2026/27 tax year.
Interest CalculatorUse our free Interest Calculator to get an instant estimate.
Investment CalculatorThis investment calculator shows roughly how much a lump sum and regular monthly contributions could grow into over time, using a growth rate you choose. It is built for UK investors weighing up a stocks and shares ISA, a general investment account or a pension drip-feed, who want a clear, year-by-year picture rather than a vague promise. Put in your starting amount, what you can add each month, an assumed annual return and a time horizon. The tool projects the end value and splits out what you paid in versus what growth added, so you can see the impact of compounding and adjust your plan with confidence.
LBTT Calculator (Scotland)Use this LBTT calculator to work out the Land and Buildings Transaction Tax due on a Scottish property purchase, including first-time buyer relief and the Additional Dwelling Supplement. LBTT is the tax that replaced Stamp Duty in Scotland, and it applies whenever you buy a home or land above the relevant threshold. Enter your purchase price to see an instant estimate of what you may owe, so you can budget accurately and avoid surprises before you complete.
LTT Calculator (Wales)Our LTT calculator helps you work out the Land Transaction Tax (LTT) due on a property purchase in Wales, including the higher rates for additional properties. LTT is the Welsh equivalent of Stamp Duty Land Tax and applies whenever you buy a home or land over the relevant threshold. Enter your purchase price to see an instant estimate, whether you are a first-time buyer, moving home, or investing in a second property or buy-to-let.
Landlord Rental Income & Tax OrganiserThis free landlord tax calculator helps you organise rental income and expenses across multiple properties, apply Section 24 mortgage interest rules, and estimate the tax due. Whether you let a single flat or run a growing portfolio, it keeps every figure in one place so you can see your position at a glance. Your details are saved in your browser, so you can return and update them as the year progresses, ready for your Self Assessment return.
Late Payment Interest CalculatorThis late payment interest calculator works out the statutory interest you are legally entitled to charge on an overdue business invoice under the Late Payment of Commercial Debts Act. Enter the invoice amount and the dates to get the interest owed plus the fixed compensation you can add on top. Statutory interest runs at 8% above the Bank of England base rate, and you can also claim between £40 and £100 in compensation per invoice depending on its size. The calculator applies the current base rate and shows the daily interest so you can watch it grow until you are paid.
Limited Company Tax CalculatorUse our free Limited Company Tax Calculator to get an instant estimate for the 2026/27 tax year.

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Software that files it for you

Partner links

If you keep your own books, these are the packages that handle Self Assessment and Making Tax Digital.

FreeAgent

4.8

Free optionMTD ready

The freelancer and contractor favourite, free with some bank accounts.

Free forever with a NatWest, Royal Bank of Scotland, Ulster or Mettle business account
Built-in Self Assessment and MTD for Income Tax filing

From £0 with a NatWest, RBS or Mettle account, otherwise about £19/mo

See FreeAgent

QuickBooks

4.6

MTD ready

The big all-rounder with the deepest MTD track record.

Sole Trader plan built specifically for Self Assessment and MTD
Snap and store receipts, automatic bank feeds

From about £10/mo, frequent 90% off intro offers

See QuickBooks

Xero

4.5

MTD ready

The scale-up choice once you have staff, stock or VAT.

Huge app marketplace and the accountant industry standard
Strong for VAT, payroll and multi-user limited companies

From about £15/mo

See Xero

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