Run the numbers on your UK finances

Take-Home Pay (UK)

PAYE + NI + Student Loan, 2026/27.

Income Tax (UK)

England/Wales/NI bands; Scotland separate.

National Insurance

Class 1 employee NI 2026/27.

Salary Calculator

Gross-to-net annual conversion.

Self-Assessment

Self-employed tax + Class 4 NI.

Capital Gains Tax

CGT including residential surcharge.

IR35 Inside/Outside

Net pay impact of IR35 status.

Dividend Tax

£500 allowance, 8.75/33.75/39.35%.

Salary Sacrifice

IT + NI relief on sacrifice.

Bonus Tax

Marginal rate on bonus.

Two-Job Tax

BR code on 2nd job.

Marriage Allowance

£1,260 PA transfer.

Company Car BIK

P11D × BIK × rate.

WFH Tax Relief

£6/week flat rate.

P11D BIK

Benefit-in-kind tax.

Cycle to Work

Bike via salary sacrifice.

Pension Tax Relief

Net Pay vs RAS.

Capital Allowances

AIA + WDA.

Scotland Income Tax

6 Scottish bands.

HICBC

£60K-£80K clawback.

Savings Interest Tax

PSA + starting rate.

Gift Aid

25% charity + higher-rate refund.

Foreign Income

FTCR credit.

Tax Code

1257L / BR / K decoder.

Annual Allowances

PA + ISA + pension + CGT.

Self-Employed NI

Class 2 & 4 on profits.

Net to Gross Salary

Reverse PAYE + NI.

P800 Tax Refund

Over/underpayment estimate.

Crypto Tax

CGT on crypto disposals.

Mortgage

Monthly P&I + total interest.

Mortgage Affordability

4.5x income multiple.

Stamp Duty (SDLT)

England/NI bands + FTB relief + 3% surcharge.

BTL Stamp Duty

3% second home surcharge.

Non-Resident SDLT

+2% non-resident surcharge.

Buy-to-Let Yield

Gross + net yield, Section 24.

BTL vs Residential

Mortgage comparison.

Rental Income Tax

Section 24 mortgage credit.

Council Tax

Band-based estimate by region.

Inheritance Tax

NRB + residence NRB.

Help to Buy Loan

Equity loan repayment.

Shared Ownership

Mortgage + rent monthly cost.

Mortgage Overpayment

Months + interest saved.

IO vs Repayment

Monthly + lifetime cost.

First-Time Buyer SDLT

Nil up to £300K.

Multiple Dwellings Relief

Historic, pre-June 2024.

Replacement Furniture

BTL like-for-like deduction.

Residence Nil-Rate Band

£175k RNRB + £2m taper.

IHT Gift Taper

7-year rule taper relief.

Rent a Room

£7,500 tax-free lodger income.

Remortgage Savings

Switch-rate saving, net of fees.

ATED

Enveloped dwellings annual charge.

SIPP

Self-invested personal pension.

Pension Contribution

£60K annual allowance + tapers.

Pension Drawdown

Sustainable withdrawal.

State Pension

NI qualifying years.

Auto-Enrolment

Qualifying earnings band.

ISA Calculator

£20K annual subscription planner.

Lifetime ISA

£4K + 25% government bonus.

Junior ISA

£9K/yr child savings.

Help to Buy ISA

Legacy scheme.

Cash ISA vs S&S ISA

Side-by-side projection.

EV Salary Sacrifice

EV at 3% BIK.

Share Incentive Plan

Tax-free employee shares.

EIS / SEIS

30% / 50% investor relief.

VCT Relief

30% on £200K subscription.

Tapered Annual Allowance

High-earner pension taper.

Tax-Free Lump Sum

25% PCLS, £268,275 cap.

Annuity

Guaranteed income from pot.

Pension vs ISA

Net retirement outcome.

Premium Bonds

Average tax-free prizes.

Voluntary NI

Class 3 state pension top-up.

VAT

20% / 5% / 0% inclusive + exclusive.

Corporation Tax

19% / 25% + marginal relief.

Ltd vs Sole Trader

Structure comparison.

Dividend vs Salary

Optimal extraction mix.

R&D Tax Relief

Merged scheme 20% credit.

Director's Loan

Section 455 + BIK.

EMI Options

18% CGT via BADR (2026/27).

SAYE Sharesave

Risk-free share scheme.

CSOP Options

£60K cap, larger companies.

Employer NI

13.8% secondary contributions.

CIS Deduction

Construction subcontractor.

Umbrella Take-Home

Inside-IR35 contractor net.

Contractor Day Rate

Day rate vs salary equivalent.

Compound Interest

Initial + monthly contributions.

Inflation

Real purchasing power.

Savings Rate

FIRE metric + years to FI.

Student Loan

Plans 1/2/4/5 + Postgrad.

Maternity Pay

39 weeks SMP.

Redundancy Pay

Statutory formula.

Debt Payoff

Avalanche vs snowball.

Personal Loan

Monthly + total interest.

Statutory Sick Pay

£116.75/wk × 28 weeks.

Child Benefit Amount

Annual £.

Paternity Pay

2 weeks.

FIRE

Financial independence number.

Net Worth

Assets minus liabilities.

Emergency Fund

3-12 months of outgoings.

Budget (50/30/20)

Needs / wants / savings split.

Car Finance (PCP)

Monthly + balloon payment.