Browse every Money Tools UK calculator, organised by category. Use the search and category filters to jump straight to the tool you need, or explore one of our deeper topic hubs for property investing and contracting.
Featured calculators
The most-used Money Tools UK calculators across salary, property and contracting.
Take-Home Pay Calculator
UK PAYE salary calculator — income tax, NI, pension, student loan.
Open calculatorProperty Deal Analyser
End-to-end UK property investor calculator — purchase, finance, refurb, ROI.
Open calculatorIR35 Comparison Calculator
Compare umbrella, inside-IR35 and outside-IR35 take-home pay side by side.
Open calculatorBudget Planner
Plan UK monthly income, fixed costs, savings and discretionary spend.
Open calculatorBrowse by category
Pick a category to see all the calculators available for that use case.
Salary & income
PAYE take-home pay, contract/permanent comparisons, umbrella, IR35 and student loan deductions.
- Take-Home Pay CalculatorUK PAYE salary calculator — income tax, NI, pension, student loan.
- Salary ↔ Hourly CalculatorConvert between annual salary and hourly/day rates.
- Student Loan CalculatorPlan 1, Plan 2, Plan 4 and postgraduate loan deductions.
- Umbrella Company CalculatorNet take-home pay through a UK umbrella employer.
- Contractor CalculatorOutside-IR35 limited company income with salary/dividend split.
- IR35 Comparison CalculatorCompare umbrella, inside-IR35 and outside-IR35 take-home pay side by side.
Budgeting
Plan monthly UK household income, fixed costs, savings and discretionary spend.
Open Budget PlannerTax tools
VAT, SDLT and PAYE deductions on UK earnings and property.
- VAT CalculatorAdd or remove UK VAT at 20%, 5% or zero rate.
- Stamp Duty CalculatorSDLT including first-time buyer relief and surcharges.
- Take-Home Pay CalculatorUK PAYE salary calculator — income tax, NI, pension, student loan.
Home buyer tools
Estimate stamp duty, deposit needs and how much mortgage you can borrow.
- Stamp Duty CalculatorSDLT including first-time buyer relief and surcharges.
- Mortgage Affordability CalculatorMaximum borrowing based on income, deposit and stress tests.
Landlord tools
Rental yield, BTL ROI, bridging finance and HMO analysis for UK landlords.
- Rental Yield CalculatorGross and net yield, plus target-yield offer pricing.
- Buy-to-Let ROI CalculatorCash flow, yield, ROI and 5-year property value projection.
- Bridging Finance CalculatorMonthly interest, fees and total cost of UK bridging loans.
- HMO Deal CalculatorRoom-by-room HMO income, bills, licensing and ROI.
Investor tools
BRRR, flips, full deal analysis and long-term portfolio projection.
- BRRR CalculatorBuy, Refurbish, Refinance, Rent — recycled cash and equity uplift.
- Property Deal AnalyserEnd-to-end UK property investor calculator — purchase, finance, refurb, ROI.
- Flip Profit CalculatorNet profit, ROI and margin on a UK property flip.
- Portfolio Growth CalculatorLong-term portfolio value, equity and income projections.
Related hubs
Deeper topic-specific directories for property investors and UK contractors.
Frequently asked questions
Disclaimer: These calculators are for informational and educational purposes only and do not constitute financial, mortgage, tax, investment or legal advice. Always speak to a qualified UK professional before making decisions.