UK-specific calculations
Built around HMRC rules — Income Tax bands, National Insurance, dividend allowances and Stamp Duty for England, Scotland and Wales.
UK tax year 2025/26 ready
Free UK Money Calculators
Helping UK workers, homeowners and investors make better financial decisions.
No signup Instant results Built for UK users
Salary & TaxProperty InvestingBudgetingContractor Finance
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Featured calculatorMost popular
Take-Home Pay Calculator
See what’s left in your pocket after Income Tax, National Insurance, pension and deductions.
- Gross
- £45,000
- Income Tax
- −£6,486
- NI
- −£3,094
- Take-home
- £35,420
Sample figures. 2025/26 England, no pension contributions.
Popular tools
The calculators most UK households reach for first.
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Take-Home Pay Calculator
See your net pay after Income Tax, NI, pension and deductions.
Open toolSalary to Hourly Calculator
Convert annual or monthly salary into a clear hourly rate.
Open toolMost popular
VAT Calculator
Add or remove 20% VAT from any amount, instantly.
Open toolStudent Loan Calculator
Estimate monthly repayments by plan type and income.
Open toolBudget Planner
Map income against bills, savings and lifestyle spending.
Open toolMost popular
Stamp Duty Calculator
Work out SDLT for residential purchases in England & NI.
Open toolWhy Money Tools UK
Built on trust, designed for clarity
Money Tools UK provides modern UK-focused calculators for salary, tax, contractor, mortgage and budgeting decisions.
- UK tax year 2025/26 ready
- Built for UK workers and contractors
- Instant calculations
- Free to use
- No signup required
Our advantage
Why Use Money Tools UK?
Purpose-built for UK workers, contractors and home buyers — accurate figures you can act on, with no signup and no fluff.
Contractor & IR35 expertise
Inside vs outside IR35, umbrella deductions, salary/dividend splits and day-rate modelling — designed for real UK contractors.
Fast, instant results
Numbers update the moment you type. No loading screens, no email gates — just immediate, reliable take-home figures.
Free professional tools
Every calculator is free to use, with no signup, no paywalls and no upsells. Just clean, modern UK financial tools.
Contractor & IR35 specialists
Built for UK Contractors & PAYE Workers
Money Tools UK specialises in contractor, umbrella and IR35 income calculations for UK workers — accurate take-home pay estimates for the 2025/26 tax year.
Inside IR35 Calculator
Estimate take-home pay when your contract is caught inside IR35 and taxed via PAYE.
For contractors working under deemed employment arrangements.
Estimate take-home payOutside IR35 Calculator
Model salary, dividends and corporation tax for limited company contractors.
For Ltd company directors operating outside IR35.
Estimate take-home payUmbrella Company Calculator
Calculate net pay after PAYE, employer NI, apprenticeship levy and umbrella margin.
For contractors paid through an umbrella employer.
Estimate take-home payIR35 Comparison Calculator
Compare PAYE, umbrella and outside IR35 limited company take-home pay side by side.
For contractors weighing up working structures.
Estimate take-home payContractor Take-Home Pay Calculator
Full breakdown of contractor income, taxes and net retention for the 2025/26 tax year.
For UK contractors estimating real earnings after tax.
Estimate take-home payCalculator hubs
Explore calculator hubs
Browse our main calculator collections for salary, contractor, property and investment tools.
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Home Buyer Tools
Home Buyer Tools
Mortgage, affordability and stamp duty calculators for UK home buyers and first-time buyers.
Landlord & Investor Tools
Landlord & Investor Tools
Professional UK property investment calculators for landlords, buy-to-let investors and BRRR property analysis.
Investor favourite
Rental Yield Calculator
Buy-to-let analysis with gross, net and target yield modes for property investors.
Open toolBuy-to-Let ROI Calculator
Estimate cash flow, ROI and 5-year property value projection for rental property investment analysis.
Open toolBridging Finance Calculator
Estimate short-term bridging loan interest, fees and total repayment.
Open toolBRRR Calculator
Buy, Refurbish, Refinance, Rent — estimate cash recycled and money left in the deal.
Open toolHMO Deal Calculator
Analyse multi-let HMO deals with room-by-room income and operating costs.
Open toolProperty Deal Analyser
Full deal scoring across cash flow, ROI and exit strategy in one place.
Open toolFlip Profit Calculator
Estimate refurbishment profit, holding costs and net margin on a property flip.
Open toolPortfolio Growth Calculator
Project portfolio value, equity and cash flow growth over time.
Open toolNote: Property tax, mortgage and investment rules can vary by location, buyer status and lender. These tools provide estimates only.
How it works
Three steps from question to answer — no accounts, no waiting.
- 01
Choose a calculator
Pick the tool that fits your question.
- 02
Enter your details
A few simple inputs — nothing personal.
- 03
Get an instant estimate
Clear results you can act on right away.
Disclaimer
These tools provide estimates only and should not be treated as financial advice. Always check official guidance or speak to a qualified adviser before making financial decisions.
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