FREE UK MONEY TOOLS
MoneySavvyUK Calculators
Use our free UK calculators to explore tax, take-home pay, benefits, household bills, savings and home-buying decisions. Each tool explains what it calculates, the assumptions used and the important limitations to check.
Figures and rules are checked against current UK sources where relevant. Calculators are for general information and planning, not personalised financial advice.
Tax & Income Calculators
60% Tax Trap Calculator
See how the Personal Allowance taper can create an effective 60% Income Tax band for some taxpayers above £100,000.
Fiscal Drag & Pay Rise Calculator
Estimate how much of a salary increase you could keep after Income Tax and employee National Insurance.
Salary Sacrifice Pension Calculator
Compare estimated take-home pay before and after pension salary sacrifice and see the tax and employee NI difference.
Student Loan Repayment Calculator
Estimate payroll deductions for UK student loan Plans 1, 2, 4, 5 and postgraduate loans.
Child Benefit Tax Calculator
Estimate Child Benefit and the High Income Child Benefit Charge using the higher earner’s adjusted net income.
Marriage Allowance Calculator
Check whether transferring part of the Personal Allowance could reduce a couple’s Income Tax bill.
Self-Employed Tax Calculator
Estimate Income Tax and Class 4 National Insurance to help plan a tax reserve from sole-trader or freelance profits.
Company Car Tax Calculator
Estimate company-car Benefit-in-Kind tax using 2026/27 CO₂ and electric-range rules.
Dividend Tax Calculator
Estimate 2026/27 dividend tax using the £500 Dividend Allowance and current ordinary, upper and additional dividend rates.
Inheritance Tax Calculator
Explore the nil-rate band, residence nil-rate band, transferable allowances and an illustrative estate IHT calculation.
Benefits & Household Bills
Universal Credit Taper Calculator
Estimate how earnings above an applicable work allowance can reduce Universal Credit under the 55% taper.
Council Tax Discount Calculator
Explore common Council Tax discounts and disregards, including single-person, student and qualifying SMI situations.
Energy Price Cap Calculator
Compare an estimated annual bill using current Ofgem average capped rates with the unit and standing charges on a fixed tariff.
Fuel & Commute Cost Calculator
Estimate commuting fuel use, annual cost and the Fuel Duty and VAT contained in pump spending.
Subscription Cost Calculator
Add up recurring subscriptions, annualise the cost and explore an illustrative long-term opportunity-cost scenario.
Savings & Home Buying
Cash ISA vs Premium Bonds Calculator
Compare Cash ISA interest with the Premium Bonds prize-fund-rate equivalent while recognising that actual Premium Bonds winnings vary.
Lifetime ISA Calculator
Project first-home LISA contributions, government bonuses and illustrative growth over time.
Rent vs Buy Calculator
Compare a modelled renting scenario with buying, including mortgage repayments, deposit opportunity cost, maintenance and property-price assumptions.
Stamp Duty Calculator
Estimate residential SDLT in England and Northern Ireland, including first-time buyer and additional-property rates.
Emergency Fund Calculator
See how many months accessible savings could cover essential expenses and compare different cash-buffer targets.
How to use these calculators
Calculators are useful for exploring scenarios, but they cannot capture every personal circumstance. Tax codes, benefit rules, regional differences, mortgage products, investment returns and household circumstances can change the result. Read the notes on the individual calculator and check important decisions against the relevant official source.
We are continuing to add practical UK money tools to this library.
Looking for planners and spreadsheets?
If you want a tool you can keep and update over time, visit the MoneySavvyUK Shop for budgeting, household, debt, savings and reseller spreadsheets.