Modern UK financial calculators, built with HMRC-grade rigour.
Money Tools UK exists to make UK personal finance instantly understandable. We build free, fast and meticulously accurate calculators for contractors, PAYE workers, landlords and home buyers — without signups, paywalls or guesswork.
Our mission
Clarity for every UK earner.
The UK tax system is complex on purpose. Income Tax bands, National Insurance, IR35 status, dividend allowances, Stamp Duty surcharges and umbrella deductions all interact in ways that generic calculators routinely get wrong.
Our mission is simple: give people accurate, UK-specific numbers they can trust in under ten seconds. Whether you're weighing an inside-IR35 contract, comparing umbrella providers, modelling a buy-to-let deal or budgeting your first PAYE salary, the answer should be one screen away — not buried behind a sign-up form.
What we stand for
Six principles behind every calculator we ship.
Mission-driven
Help every UK earner — contractor, employee, landlord or first-time buyer — make confident money decisions in seconds, not hours.
UK-first by design
Every calculator is built around HMRC tax bands, National Insurance thresholds, Stamp Duty rules and UK lender criteria. No US or generic logic.
Contractor & PAYE expertise
Deep coverage of inside vs outside IR35, umbrella deductions, salary/dividend splits and PAYE take-home — the areas where generic tools get it wrong.
Radical transparency
No signup, no email walls, no upsells, no hidden affiliate steering. The calculator you see is the full product.
Accuracy commitment
Calculations are reviewed against HMRC guidance and updated each tax year. We document assumptions clearly so you can verify every number.
Modern, fast, free
Instant results as you type, mobile-first design, and zero cost — because financial clarity shouldn't be locked behind a paywall.
Accuracy commitment
How we keep the numbers right.
HMRC-aligned tax logic
Income Tax, NI, dividend tax, student loan plans and Stamp Duty are coded against current HMRC bands and refreshed every UK tax year (currently 2025/26).
Tested calculations
Core tax and SDLT engines are covered by automated tests so edge-case bands, surcharges and thresholds don't drift between releases.
Documented assumptions
Every calculator explains the assumptions behind it — IR35 status, umbrella margin, void rates, mortgage stress tests — so you can sanity-check the inputs.
Honest limitations
We're a calculator — not your accountant. For complex circumstances we tell you to seek qualified advice rather than over-promising precision.
Explore the toolkit
Calculators for every UK money decision.
Jump straight into the category that matches what you're working on.
Contractor Calculators
Inside IR35, outside IR35, umbrella, day rate and limited company take-home pay.
Salary & Tax Calculators
PAYE take-home, salary to hourly, student loan, VAT and personal tax.
Property Investment Calculators
Stamp Duty, mortgage affordability, rental yield, BRRR, HMO and bridging finance.
Budgeting & Planning
Monthly budget planner and long-term portfolio growth projections.
Built in the UK, for the UK.
Money Tools UK is independent and free to use. If a calculator ever returns a number that doesn't look right, we want to know — accuracy is the product.