2026/27
Calculators
Every calculator on the site, starting with the take-home pay calculator. All use 2026/27 HMRC rates and thresholds.
Wealth, property and estates
Inheritance taxIHT on your estate today and from April 2027, when unused pensions count.
Capital gains taxCGT on shares, property and other assets for 2026/27.
Selling a business (BADR)Capital gains tax on a business sale, with the relief at 18%.
Stamp dutySDLT for movers, first-time buyers, second homes and non-UK residents.
Rental income taxTax on letting profits, with mortgage interest relief.
Dividend taxTax on dividends on top of your salary, 2026/27 rates.
Crypto taxCapital gains tax on selling or swapping crypto.
Net worthWhat you own minus what you owe, compared by age.
PensionWhat your pension pot could grow to by retirement.
FIRE / early retirementWhen your savings could cover your spending.
Compound interestHow savings and investments grow over time.
High earners and the £100k trap
Salary sacrificeWhat pension sacrifice really costs, and how to get back under £100,000.
Bonus taxWhat a bonus is worth after tax and National Insurance.
Pay riseWhat a pay rise adds to your take-home.
Couples incomeCombined household take-home on two salaries.
Child Benefit and the high income chargeChild Benefit and the charge on higher incomes.
Marriage AllowanceTransfer part of your personal allowance to a partner.
Contractors, freelancers and companies
IR35Take-home inside vs outside IR35, 2026/27.
Umbrella companyTake-home through an umbrella company.
Contractor vs permanentA day rate against a salaried job.
Self-employedProfit after income tax and Class 4 NI.
CISConstruction Industry Scheme deductions.
Employer costThe full cost of employing someone.
Employer NIEmployer National Insurance on a salary.
VATAdd or remove VAT.
Pay, tax codes and life events
Emergency taxWhat an emergency tax code is costing you.
Tax code explainerWhat your tax code means.
Tax year comparisonAre you better off this tax year?
OvertimeOvertime pay after tax.
Student loanRepayments on Plans 1, 2, 4, 5 and postgraduate loans.
Minimum wageCheck your pay against the minimum wage.
Holiday entitlementStatutory holiday for full- and part-time work.
Sick payStatutory Sick Pay.
Maternity payStatutory Maternity Pay.
Redundancy payStatutory redundancy pay.
Mortgage affordabilityHow much you might be able to borrow.
Debt payoffHow long it takes to clear a debt.
Emergency fundHow much to keep aside.
InflationWhat your money is worth over time.
Cost of a babyFirst-year costs of a new baby.