UK Finance Tools
Calculators built to apply current 2026/27 tax rules, handle Scotland’s separate bands, and turn numbers into decisions you can actually make.
Mortgages & Property
5 ToolsEverything from monthly payments to buy-to-let ROI, stamp duty across all three UK jurisdictions, and how BoE rate moves hit your wallet.
Mortgage Repayment Calculator
Monthly payment, lifetime interest, overpayment impact — plus a rate stress test for when the BoE moves.
Remortgage Comparison Calculator
Current deal vs new deal, net of fees AND early-repayment charges. Shows a verdict badge and fee break-even time.
BOE Rate Impact Calculator
What does the next Bank of England move cost you? Six rate scenarios, lifetime interest figures, and an LTV warning.
UK Stamp Duty Calculator
SDLT, LBTT, LTT — all three UK regions. First-time buyer relief, BTL surcharge, and non-resident surcharge built in.
Buy-to-Let ROI Calculator
Gross yield, net yield, cash-on-cash return, 5-year total return. Correct Section 24 treatment plus a Limited Company toggle.
Investing & Growth
3 ToolsModel long-term wealth building with real-return projections, scenario modelling, and dividend income planning.
Compound Interest Calculator
How your money grows in today’s purchasing power. Hits milestones, 3-scenario trajectory, and the cost of delaying 5 years.
Dividend Income Calculator
Two modes: calculate income from your portfolio, OR work out how much capital you need for a target income. ISA vs GIA.
ISA vs SIPP Calculator
Full lifecycle modelling for both wrappers — tax relief in, compound growth, then 25% tax-free lump sum plus taxed withdrawals at retirement rate.
Retirement Planning
4 ToolsWhere you’re heading, and how long it’ll last. Both tools include State Pension, 25% tax-free lump sum, and three-scenario growth.
Retirement Pension Calculator
What your pension pot reaches at retirement. Employer match, State Pension, 25% TFLS, and 3-scenario trajectory.
Pension Drawdown Calculator
Will your money last? Year-by-year simulation with State Pension kicking in and a stress test for bad markets.
Pension Annual Allowance Calculator
Are you at risk of breaching the £60,000 Annual Allowance? High earner taper down to £10,000 plus 3-year carry-forward — with traffic-light verdict.
Salary Sacrifice vs Standard Pension Calculator
Compares Relief at Source, Net Pay Arrangement, and Salary Sacrifice side-by-side — full tax + NI modelling with rUK and Scotland tax bands.
Tax, Income & Inflation
6 ToolsHow much of your salary you actually keep, and what your money is worth across time.
UK Take-Home Pay Calculator
Full 2026/27 breakdown. Region toggle (rUK vs Scotland), salary sacrifice, all 5 student loan plans, plus a 60% tax trap warning.
Inflation Purchasing Power Calculator
What your money was worth across 37 years of UK CPI. Bi-directional — past to today, today to past.
Marriage Allowance Calculator
Transfer £1,260 of Personal Allowance to a basic-rate spouse — save up to £252/year plus 4 years backdated (up to £1,260 total).
Savings Interest Tax Calculator
With rates at 4–5%, many UK savers now owe tax on interest. Check your Personal Savings Allowance headroom and Starting Rate for Savings eligibility.
Student Loan Repayment Calculator
All UK plans — Plan 1, 2, 4 (Scotland), 5, and Postgraduate — with correct age-65 write-off for Plan 1/4 and accurate threshold-based repayment.
Employer NI Calculator
Post-Budget 2024: 15% rate, £5,000 threshold, and £10,500 Employment Allowance offset. Shows the pre-vs-post delta for SME payroll forecasting.
Wealth & Estate Planning
2 ToolsTaxes on wealth disposal and inheritance — CGT rate stacking with AEA and BADR, plus full IHT estate planning with NRB, RNRB, spouse transfer, and 7-year gift taper.
Capital Gains Tax Calculator
2026/27 rates (18% / 24%) with correct income-band stacking, £3,000 AEA, BADR for business disposals, and spouse transfer planning.
Inheritance Tax Calculator
NRB £325k + RNRB £175k + spouse transfer + charity relief (40%→36%) + 7-year gift taper — full estate planning logic.
