Free UK money calculators · No signup
Free UK mortgage, tax & money calculators
£250,000 at 4.5% over 25 years ≈ £1,390 a month. Instant stamp duty, take-home pay, VAT and Inheritance Tax estimates — private in your browser.
Free · runs in your browser · guidance only, not financial advice. How we calculate →
Last updated:
- Tools
- 19
- Cost
- £0
- Account
- None
What Free UK Tools is for
Free UK Tools is a small, practical set of UK money calculators and matching explainers. It is for people who want a private estimate — mortgage repayment, stamp duty, take-home pay, VAT, Inheritance Tax — before they talk to a lender, payroll team or solicitor. Everything runs in your browser; we do not store what you type.
Start in Finance & Money for the full calculator list, or read how UK mortgage payments are calculated if you want the formula in plain English first. Results are guidance only — not financial, tax or legal advice. Confirm important decisions with HMRC, a regulated adviser or your paperwork.
Popular UK calculators
The money tools people open most — free estimates in your browser.
- UK Mortgage CalculatorEstimate monthly mortgage repayments from loan amount, rate and term.
- UK Stamp Duty CalculatorCalculate SDLT, LBTT and LTT for England, NI, Scotland and Wales.
- UK Inheritance Tax CalculatorRough UK IHT estimate from estate value, nil-rate band, residence band and spouse gifts.
- UK Council Tax Band HelperEstimate Council Tax band from 1991/2003 values and bill from Band D.
- UK Income Tax / Take-home Pay CalculatorEstimate income tax, National Insurance and take-home pay (UK).
- UK National Insurance CalculatorEstimate employee, employer and self-employed National Insurance from earnings.
Everyday maths calculators
Quick percentage, inflation and working-day checks — free in your browser.
Browse free tools
19 free calculators that run in your browser.
Finance & Money
Mortgages, tax, stamp duty and money calculators for the UK.
Built for UK household decisions: a mortgage quote, a stamp duty estimate, take-home pay on a job offer, or an Inheritance Tax estimate. Pick the calculator that matches the question you have today, then open the matching guide if you want the working explained.
Start with: mortgage payments, stamp duty, take-home pay. Full list on the tools directory.
UK Mortgage Calculator
Finance & Money
Estimate monthly mortgage repayments from loan amount, rate and term.
Open tool →UK Stamp Duty Calculator
Finance & Money
Calculate SDLT, LBTT and LTT for England, NI, Scotland and Wales.
Open tool →UK Inheritance Tax Calculator
Finance & Money
Rough UK IHT estimate from estate value, nil-rate band, residence band and spouse gifts.
Open tool →UK Capital Gains Tax Calculator
Finance & Money
Estimate 2026/27 CGT from a disposal, the £3,000 allowance and 18%/24% rates.
Open tool →UK Council Tax Band Helper
Finance & Money
Estimate Council Tax band from 1991/2003 values and bill from Band D.
Open tool →UK Income Tax / Take-home Pay Calculator
Finance & Money
Estimate income tax, National Insurance and take-home pay (UK).
Open tool →UK National Insurance Calculator
Finance & Money
Estimate employee, employer and self-employed National Insurance from earnings.
Open tool →UK Salary Sacrifice / Pension Take-home Calculator
Finance & Money
Compare take-home pay with pension salary sacrifice vs no sacrifice.
Open tool →UK Redundancy Pay Calculator
Finance & Money
Estimate statutory redundancy pay from age, service and weekly pay (2026 caps).
Open tool →UK VAT Calculator
Finance & Money
Add or remove UK VAT at 20%, 5% or 0% — net, VAT and gross.
Open tool →UK VED / Car Tax Calculator
Finance & Money
Estimate UK vehicle tax from first registration date, CO₂, fuel type and list price.
Open tool →Compound Interest / Savings Calculator
Finance & Money
Project savings growth with compound interest and monthly contributions.
Open tool →UK Student Loan Repayment Calculator
Finance & Money
Estimate Plan 1, 2, 4, 5 and postgraduate loan deductions from income.
Open tool →Credit Card Payoff Calculator
Finance & Money
See how long to clear a card balance and total interest at a fixed payment.
Open tool →Inflation & Real Return Calculator
Finance & Money
See how inflation erodes cash and what a return is worth in today’s money.
Open tool →Loan Repayment Calculator
Finance & Money
Estimate monthly payments for personal loans and car finance, plus months and interest saved if you overpay.
Open tool →Everyday calculators
Percentages, fuel cost and working-day counts for everyday UK sums.
Percentage Calculator
Everyday calculators
Work out percentages, increases, decreases and “what percent of”.
Open tool →UK Fuel Cost Calculator
Everyday calculators
Estimate petrol or diesel cost from miles, MPG or L/100km and price per litre.
Open tool →UK Working Days Calculator
Everyday calculators
Count working days between two dates with England & Wales bank holidays.
Open tool →UK money guides
Short explainers of the maths — not just a form and a number.
How UK mortgage payments are calculated
How the monthly figure is worked out, where your early payments go, and what term length, a fixed deal ending or overpaying does to the cost.
Read →How stamp duty works when you buy a home in the UK
SDLT, LBTT and LTT explained: why tax is charged in slices, and what first-time buyers and additional properties usually change.
Read →How UK take-home pay is calculated (2026/27)
A plain-English walkthrough of Income Tax, National Insurance and why a £30,000 salary is not £30,000 in the bank.
Read →How UK Council Tax bands and bills are calculated
Why the bill is a fraction of your council’s Band D charge, not a tax on today’s sale price — with Band C from £2,100 Band D ≈ £1,867, and Scotland’s 2017 Band E–H multipliers.
Read →How UK Inheritance Tax is calculated (2026/27)
Why IHT is a slice of the estate, not a tax on heirs: the £325,000 band, the extra home allowance, transferred unused bands, and a worked £500k → £70,000 example.
Read →How UK Capital Gains Tax is calculated (2026/27)
Why you pay CGT on the gain, not the sale price: the £3,000 allowance, 18% or 24% from unused basic-rate band, and GOV.UK’s £12,600 → £1,728 example.
Read →