Free UK Financial
Calculators & Tools
20 free tools built for UK residents — ISA, LISA, pension, CGT, IHT, IR35, SDLT, take-home pay, personal loans, and more. HMRC-aligned for 2026-27. No signup. No ads.
United Kingdom 2026 — quick numbers
Headline HMRC + ONS figures for the 2025-26 tax year.
ISA allowance
£20,000
Total annual ISA limit
Source: HMRC
Lifetime ISA limit
£4,000
Per year, +25% bonus
Source: HMRC
Pension annual allowance
£60,000
Tapered above £260K income
Source: HMRC
Personal allowance
£12,570
Frozen until 2027-28
Source: HMRC
Higher-rate threshold
£50,270
Where 40% tax begins
Source: HMRC
CGT annual exempt amount
£3,000
Tax-free capital gains
Source: HMRC
IHT nil-rate band
£325,000
40% above, frozen to 2030
Source: HMRC
Full new State Pension
£11,973
Per year (£230.25/week)
Source: DWP
Take-Home Pay Calculator
PAYE breakdown with 2026-27 NI at 8% main rate, Personal Allowance taper above £100K, Student Loan plans 1/2/4/5.
Teacher Take-Home Pay Calculator
STRB pay scales (M1-M6 / UPS / Leadership) with Inner/Outer London weighting, Teachers' Pension Scheme tiered 7.4-11.7%, and full PAYE + Student Loan.
NHS Take-Home Pay Calculator
NHS Agenda for Change pay bands 2-9 with Inner/Outer London HCA, NHS Pension Scheme tiered 5.2-12.5%, plus HMRC uniform laundry + NMC/HCPC/GMC registration FRE.
Pension Tax Relief Comparator
Net Pay vs Relief at Source vs Salary Sacrifice — see which mechanism gives you the highest net contribution.
Pension Annual Allowance
Standard £60K allowance, tapered allowance above £260K adjusted income, carry-forward of 3 years' unused.
ISA Calculator
Compare Stocks & Shares ISA, Cash ISA, and LISA side by side — projected value, tax-free growth, and 25% LISA government bonus. 2025-26 £20,000 allowance.
LISA Calculator
Lifetime ISA growth to age 60 (or first-home purchase) with the 25% government bonus on £4,000/year contributions.
CGT Calculator
Post-Budget-2024 CGT rates 18% / 24% on shares, ETFs, crypto, and residential property. £3,000 Annual Exempt Amount.
Dividend Tax Calculator
UK dividend tax with £500 allowance (2024 onward) and 8.75% / 33.75% / 39.35% rates by income band.
Inheritance Tax Calculator
40% IHT above the £325K NRB plus £175K RNRB for main-residence transfer to direct descendants. Frozen to 2030.
Stamp Duty (SDLT) Calculator
Post-April-2025 SDLT bands (zero-rate to £125K), FTB relief to £300K, +5% additional-property and +2% non-resident surcharges.
IR35 Calculator
Inside vs outside IR35 take-home for contractors — Chapter 8/10 ITEPA 2003 status comparison.
Marriage Allowance Calculator
Transfer up to £1,260 of PA to a basic-rate-band spouse — annual tax saving up to £252. Three-year backdating.
Mortgage Calculator
Repayment vs interest-only, amortisation schedule, total cost over the term.
Personal Loan Calculator
UK personal loan repayments (£1K–£50K over 1–7 years), total interest, amortisation, plus a credit-card cost comparison.
Refinance Calculator
Remortgage break-even with early-repayment charges, arrangement fees, and rate-differential payback period.
Net Worth Calculator
Total net worth across ISAs, SIPP, property, and debts — compared against age-cohort UK benchmarks.
FIRE Calculator
UK FIRE number with ISA-first / SIPP-second tax-bridge strategy and State Pension integration at 67.
Coast FIRE Calculator
The point where compound growth alone reaches your FIRE number with zero new contributions — ISA, SIPP, LISA & State Pension aware.
Compound Interest Calculator
Compound growth with monthly contributions, ISA-style tax-free vs general account scenarios.
Currency Converter
GBP to 30+ currencies with live rates for travel, remittance, and multi-currency portfolios.
