Take-home pay calculator
Your pay after income tax, NI, pension and student loan, by the year, month and week.
Open the calculatorCalculators for your own numbers.
Put in your figures and see the answer straight away. The rules and sources behind each one are under the calculator.
Pay and work
Student loan repayment calculator
What you repay each month now, and whether the loan clears before it’s written off.
Open the calculatorPro rata salary calculator
Your part-time salary from the full-time figure, by hours or days, including term time.
Open the calculatorHoliday entitlement calculator
Your statutory holiday in days or hours, including when you start or leave part way through the year.
Open the calculatorRedundancy pay calculator
The legal minimum redundancy pay from your age, years of service and weekly pay.
Open the calculatorMaternity pay calculator
How much Statutory Maternity Pay you’ll get over 39 weeks, and the dates that decide it.
Open the calculatorStatutory Sick Pay calculator
What SSP pays for your days off sick, under the April 2026 rules.
Open the calculatorMinimum wage calculator
Minimum pay for your age and hours, and a check of what you get.
Open the calculatorTax
£100k tax trap calculator
The 60% rate between £100,000 and £125,140, and the pension payment that gets you out of it.
Open the calculatorSalary sacrifice pension calculator
How much more you keep by paying into your pension through salary sacrifice.
Open the calculatorChild benefit tax charge calculator
How much Child Benefit you pay back over £60,000, and how pension payments cut it.
Open the calculatorSaving and investing
Compound interest calculator
What a lump sum and monthly payments grow to, with fees and inflation.
Open the calculatorISA vs savings account calculator
Tax on your savings interest, and whether a cash ISA pays more after tax.
Open the calculatorCapital gains tax calculator for shares
Tax on a gain from shares or funds held outside an ISA or pension.
Open the calculatorPremium Bonds calculator
Your odds, and what most holders win against an easy access account.
Open the calculatorInflation calculator
What money from any year costs now, in pounds or dollars, and whether savings kept up.
Open the calculatorBerkshire Hathaway vs S&P 500 calculator
What money in Berkshire shares became against the S&P 500, from any year since 1965.
Open the calculatorLifetime ISA calculator
The 25% bonus on what you save, and what the withdrawal charge costs.
Open the calculatorBorrowing and debt
Credit card repayment calculator
How long minimum payments take to clear a card, against a fixed monthly amount.
Open the calculatorBuy now pay later planner
Every payment across your Klarna, Clearpay and PayPal plans, by date.
Open the plannerLoan repayment calculator
Monthly payment, total cost and interest on a personal loan.
Open the calculatorBuying a home
Mortgage calculator with overpayments
Your monthly payment and total interest, and what regular overpayments or a lump sum would save.
Open the calculatorStamp duty calculator
Stamp duty, LBTT or LTT on buying a home, band by band, with first-time buyer relief and second home rates.
Open the calculatorMortgage cost calculator for the UK and US
The total interest on a UK or US mortgage, what overpaying saves, and a rate change side by side.
Open the calculatorRetirement
Pension drawdown calculator
How long a pension pot lasts in drawdown, and the age it runs out.
Open the calculatorState pension age calculator
The exact date you reach state pension age, from your date of birth.
Open the calculatorHeating and energy
Radiator BTU calculator
The heat a room needs in BTU and watts, and the radiator size to look for.
Open the calculatorAppliance running cost calculator
What an appliance costs to run, from an hour or a single use to a whole year.
Open the calculatorCondensation calculator
How cold a surface has to be to get wet, and where mould risk starts, from your room’s temperature and humidity.
Open the calculatorHeating on low all day vs on a timer
Whether a timer or leaving the heating on costs less, for a boiler, heat pump or electric heaters in your kind of home.
Open the calculatorCars and driving
Mileage allowance relief calculator
The tax back when your employer pays less than 55p a mile.
Open the calculatorFuel cost calculator
What a journey costs in petrol or diesel, and each person’s share.
Open the calculatorPCP vs HP car finance calculator
Monthly payments and total cost on PCP and HP, side by side.
Open the calculatorFan car suction calculator
How much lower the air under a car’s floor has to be for fans to hold it down, or up.
Open the calculatorTech and AI
Ultrafast time and usage calculator
How much sooner a job finishes on ChatGPT’s Ultrafast or Fast mode, and the allowance it uses.
Open the calculatorHiggsfield Genjutsu cost calculator
What a Genjutsu clip costs in credits and dollars on your plan, and which of its two modes fits.
Open the calculatorUptime calculator
What 99.9% or 99.99% uptime means in minutes of down time, and what a second copy changes.
Open the calculatorAI chip race calculator
How fast the gap grows between the chips AI would want and the chips the machines could make.
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