Free UK Financial Calculators

9 free tools covering benefits, pay, tax, and business finances — all using official HMRC 2026/27 rates. No sign-up, no data stored.

Benefits & Entitlements Employment & Pay Self-Employed & Side Hustles Business Owners & Directors

Benefits & Entitlements

Find out what you're owed from the UK benefits system.

Benefits Calculator

Check your eligibility for Universal Credit, PIP, Child Benefit, Carer's Allowance and more. Takes under 2 minutes.

Universal CreditPIPChild BenefitHousing Benefit

Use calculator

Employment & Pay

Understand exactly what you earn and what you keep.

Take-Home Pay Calculator

Enter your salary and see exactly what lands in your bank after Income Tax, NI, student loan, and pension.

Income TaxNational InsuranceStudent LoanPension

Use calculator

Minimum Wage Check

Verify you're being paid correctly against the 2026 National Living Wage rates. See your expected take-home.

NLWNMWApprenticeUnder 18

Use calculator

60% Tax Trap Calculator

Earning between £100,000 and £125,140? Model the Personal Allowance taper and see the effective 60% marginal rate.

Personal AllowanceHigher RateTax Planning

Use calculator

Self-Employed & Side Hustles

Get the tax right on income outside a regular job.

Side Hustle Tax Calculator

Calculate Income Tax and National Insurance on Deliveroo, eBay, Etsy, Airbnb and any other self-employment income.

Class 4 NISelf-AssessmentTrading AllowanceExpenses

Use calculator

Business Owners & Directors

Make smarter decisions about pay, tax, and company finances.

Salary vs Dividend Calculator

Find the optimal mix of director salary and dividends for your limited company in 2026/27.

Director PayCorporation TaxDividend TaxEmployment Allowance

Use calculator

Smart Money — Company Extraction

Compare 22 methods for extracting profit from a UK limited company and find the most tax-efficient approach.

PensionDividendsEISVCTMVL

Use calculator

BADR Calculator

Selling your company? BADR rises from 14% to 18% on 6 April 2026. Calculate your CGT bill and see the saving from exiting early.

BADRCapital GainsCompany Sale14% / 18%

Use calculator

Business Reality Check

Busy but always skint? See your true profit after owner pay, real hourly rate, and how many months of cash runway you have.

Cash RunwayBurn RateTrue ProfitLevers

Use calculator

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