Free UK Financial Calculators
12 free tools covering benefits, pay, tax, inheritance and business finances — all using official HMRC 2026/27 rates. No sign-up, no data stored.
Benefits & Entitlements
Find out what you're owed from the UK benefits system.
Employment & Pay
Understand exactly what you earn and what you keep.
Self-Employed & Side Hustles
Get the tax right on income outside a regular job.
Business Owners & Directors
Make smarter decisions about pay, tax, and company finances.
Inheritance & Estate Planning
See what your family would pay and what the April 2027 pension change costs.
Which calculator should I use?
- I am employed and want to know my monthly pay: the Take-Home Pay Calculator. If you earn between £100,000 and £125,140, follow it with the 60% Tax Trap Calculator.
- I earn money on the side: the Side Hustle Tax Calculator, then the guide for your platform, from Deliveroo to Airbnb.
- I am on a low income, renting, or have children or a health condition: the Benefits Calculator first. It flags Universal Credit, Child Benefit, PIP, Carer's Allowance and Pension Credit from six questions.
- I am paid by the hour: the Minimum Wage Calculator checks your rate against the minimums in force from April 2026 and shows what a minimum wage job pays after tax.
- I run a limited company: start with Salary vs Dividend, then Company Extraction for pensions, ISAs and investment reliefs, and the BADR Calculator if you plan to sell.
- I run a business and the bank balance never matches the profit: the Business Reality Check.
Every tool uses the same set of 2026/27 rates, checked against GOV.UK on 25 September 2026, and each page explains its method, assumptions and official sources beneath the calculator. Read how we check our figures.
Not sure where to start?
The Benefits Calculator takes 2 minutes and checks eligibility for over 10 UK benefits — most people find at least one they hadn't claimed.
Check Your Benefits