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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Trending calculators
Browse all calculators →The tools UK users are reaching for now
Six of our most-used calculators — refreshed for the 2025/26 tax year.
Most used
Take-Home Pay
Net pay after Income Tax, NI, pension & student loan.
Open calculatorTrending
Stamp Duty
SDLT for England & Northern Ireland, all buyer types.
Open calculatorPopular
Mortgage Affordability
How much you may be able to borrow, based on income.
Open calculatorContractors
Umbrella Company
Take-home pay after PAYE, employer NI and umbrella margin.
Open calculatorLandlords
Rental Yield
Gross, net and target-yield for buy-to-let deals.
Open calculatorHouseholds
Budget Planner
Map income vs bills, savings and lifestyle spending.
Open calculator Latest HMRC guides
All guides →Fresh explainers on HMRC, tax and refunds
Recently published Money Tools UK guides on Income Tax, tax refunds and HMRC processes.
Salary & Tax
How to Check if HMRC Owes You a Tax Refund (2025/26)
A plain-English UK guide to checking if HMRC owes you a tax refund: why overpayments happen, how to use your Personal Tax Account, P800 and Simple Assessment, when refunds are automatic, how to claim, and how to avoid tax refund scams.
Read article
Salary & Tax
HMRC Pension Tax Refund Explained (2025/26)
Why HMRC overtaxes pension withdrawals with emergency tax, how pension tax refunds work, and which form to use — P55, P53Z, P50Z or P53 — to reclaim overpaid tax for 2025/26.
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Salary & Tax
Company Car Tax Explained (2025/26): How Benefit-in-Kind Tax Works
Learn how UK company car tax works in 2025/26, including Benefit-in-Kind tax, P11D value, CO2 emissions, electric cars, fuel benefit and salary sacrifice examples.
Read article Popular salary guides
All salary guides →£30k to £100k — see your take-home pay
Monthly and annual take-home breakdowns for the UK's most-searched salary bands.
£30k
Salary after tax
See how much £30,000 salary becomes after tax in the UK for 2025/26 including Income Tax, National Insurance, pension contributions and student loan deductions.
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£50k
Salary after tax
How much is £50,000 after tax in the UK for 2025/26? A line-by-line breakdown of income tax, National Insurance, pension and student loan deductions, with monthly and weekly take-home figures.
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£60k
Salary after tax
See how much £60,000 salary becomes after tax in the UK for 2025/26 including higher-rate tax, National Insurance, pensions and student loan deductions.
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£100k
Salary after tax
See how much £100,000 salary becomes after tax in the UK for 2025/26, including income tax, National Insurance, the personal allowance taper, the 60% tax trap, pension contributions and student loan deductions.
Read guideFeatured 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.
Recently updated
Refreshed for 2025/26
Guides we've reviewed most recently — figures aligned to current HMRC thresholds and allowances.
Contractor Finance
How Much Tax Do UK Contractors Actually Pay?
A plain-English breakdown of the tax UK contractors pay across Agency PAYE, Umbrella, Outside IR35 and Inside IR35 structures on a £100,000 contract for the 2025/26 tax year.
IR35
Inside IR35 vs Outside IR35: The Real Difference Explained
What inside and outside IR35 actually mean for UK contractors, how status is decided, and how each option affects take-home pay in 2025/26.
Umbrella Companies
Umbrella vs PAYE: What's the Real Difference for UK Contractors?
Umbrella vs agency PAYE compared for 2025/26: full worked example on a £400/day contract, side-by-side payslips, deductions, holiday pay, pensions and rights.
Salary & Tax
How to Check if HMRC Owes You a Tax Refund (2025/26)
A plain-English UK guide to checking if HMRC owes you a tax refund: why overpayments happen, how to use your Personal Tax Account, P800 and Simple Assessment, when refunds are automatic, how to claim, and how to avoid tax refund scams.
Popular tools
The calculators most UK households reach for first.
Most popular
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 pay Browse by category
Browse the Money Tools UK library
Jump straight to the calculator collection that matches what you need — salary and tax, property investment, or contractor finance.
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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.
Topics
Popular UK Money Topics
Start with the financial decision you are trying to make, then explore the most useful calculators and guides for that topic.
Buying Your First Home
Estimate what you can afford, understand upfront costs and prepare for your purchase.
Contractors & IR35
Compare working structures, understand deductions and estimate your real take-home pay.
Salary, Tax & Higher Earners
Understand take-home pay, tax thresholds and the planning rules that affect UK employees.
Landlords & Property Investors
Analyse rental income, property costs, returns and investment opportunities.
HMRC, Refunds & Allowances
Check whether you may have overpaid tax and understand the HMRC rules that affect you.
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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