Calculators
Online calculators.
Quick estimates for tax, payroll, mortgages and more. Illustrative only — not a substitute for professional advice.
Stamp Duty (SDLT) calculator
Stamp Duty Land Tax on residential property purchases — including first-time buyer relief and the additional-property surcharge.
OpenProperty tax (SDLT/LBTT/LTT) calculator
Stamp Duty, LBTT and LTT on property purchases in England, Northern Ireland, Scotland and Wales.
OpenIncome tax & take-home
Estimate income tax and National Insurance on a gross salary — England, Wales and Northern Ireland.
OpenMortgage calculator
Monthly payment, total interest, and total repayable on a repayment mortgage.
OpenVAT calculator
Calculate the VAT element of a price — add VAT to a net amount or extract VAT from a gross amount.
OpenPayslip calculator
Estimate take-home pay from a gross salary — includes income tax and Class 1 NI for 2026/27.
OpenCIS tax deduction calculator
Work out the CIS deduction a contractor must withhold when paying a sub-contractor.
OpenCompany car & fuel benefit-in-kind
Estimate the benefit-in-kind tax on a company car (and fuel benefit) using current CO₂-based rates.
OpenFuel costs calculator
Estimate annual fuel costs from your mileage, fuel price and miles-per-gallon.
OpenAPR calculator
Estimate the effective Annual Percentage Rate on a loan with fixed monthly repayments.
OpenLoan calculator
Work out the monthly repayment, total interest and total repayable on a fixed-rate loan.
OpenSavings calculator
Project the future value of regular savings, accounting for interest and inflation.
OpenMillionaire calculator
How long will it take you to become a millionaire? Or, how much do you need to save each month to hit a target by a certain date?
OpenGross profit calculator
Calculate gross profit, gross margin and mark-up from sales and cost of sales.
OpenMore profit calculator
Model the impact of changes to sales, costs and overheads on your bottom line.
OpenStartup costs calculator
Build a one-page picture of how much funding you need to launch a new business.
OpenWhat these will and will not tell you
Each calculator applies the published rates for the tax year shown and nothing else. That makes them reliable for the question they ask and unreliable for the question behind it — because in practice the figure that matters depends on things a form cannot know. Your personal allowance may be tapering. A relief may be capped by another one. Income taken in a different order, or in a different month, may produce a materially different total.
Two habits make the numbers here far more useful. Run the same calculation for both tax years where the tool offers it, because a threshold that has been frozen is a real increase in what you pay. And check the figure against your own records rather than against what you expected — the gap between the two is usually where the useful question is hiding.
Nothing here is advice and none of it is a filing position. If the number surprises you, that is worth a conversation rather than a recalculation. Get in touch and we will tell you what it means for you specifically.
Frequently asked
How accurate are these calculators?
Arithmetically exact on the rates they apply, and blind to everything else. They do not know that your personal allowance is tapering, that a relief is capped by another one, or that taking the same income in a different order or a different month changes the total. Treat the output as a starting point rather than a figure to plan around.
Which tax year do they use?
The current one, and each page says which. Where a calculator offers a choice of year it is worth running both — a threshold that has been held at the same level is a real increase in what you pay, and comparing the two is the clearest way to see it.
Why does my payslip not match the payslip calculator?
Usually the tax code. The calculator assumes a standard code unless you tell it otherwise, and yours may carry an adjustment for benefits, underpaid tax from an earlier year, or a second job. Student loan plan type and salary-sacrifice pension contributions are the other two common differences.
Can you check a figure I have worked out?
Yes, and it is worth doing if the number surprised you. A surprising result is usually either a mistake in the inputs or a genuine feature of your position that is worth understanding before it repeats next year.
Beyond the tools
An estimate is a starting point, not a plan.
Bring us the number you just worked out and we will tell you what it means for your position — and what to do about it.
Or call 07480 281548