Money Worked Out

All calculators

Every calculator on the site, grouped by topic. Each one uses the official rates for 2026/27 and shows its working.

Browse by topic

Pay and tax

  • Take-home pay

    What you keep after tax, National Insurance, student loan and pension.

    e.g. £40,000 salary

  • Salary after tax

    Take-home pay for common UK salaries in 2026/27, after income tax and National Insurance, with the working for each one.

  • Bonus tax

    See what a bonus leaves you in 2026/27 after income tax, National Insurance, student loan and pension, and why the payslip it lands on looks heavy.

  • Overtime pay after tax

    Estimate overtime pay after tax, National Insurance, pension and student loan. See extra take-home a month and what each extra hour leaves you.

  • Pay rise

    Enter your salary and your new salary, or the rise in pounds or as a percentage, to see how much more you take home a year and a month in 2026/27.

  • Self-employed tax

    Work out income tax, Class 4 National Insurance and student loan on your self-employed profit for 2026/27, and what to put aside each month.

  • Child Benefit

    Work out Child Benefit for your family in 2026/27 and how much the High Income Child Benefit Charge takes back, using both your incomes.

  • Hourly pay

    What an hourly rate comes to a week, a month and a year.

    e.g. £15 an hour

  • Minimum wage checker

    Check whether your pay meets the legal minimum for your age. Enter an hourly rate, or your pay and hours, to see any shortfall each week.

  • Uniform tax rebate

    Work out the tax relief you can claim back for your uniform or work clothing, for this tax year and the four before it, using HMRC's flat rates.

  • Mileage allowance relief

    Work out the tax relief you can claim when you use your own car, van, motorbike or bicycle for work and your employer pays less than HMRC's rate.

  • Pro rata

    Your salary for part-time hours, and what you take home from it.

  • Term-time take-home pay

    Turn full-time advertised pay into term-time pay using your employer's paid weeks.

  • Salary sacrifice

    What giving up salary for a pension costs you in take-home pay.

  • IR35

    Take-home inside and outside IR35, side by side.

  • Tax code checker

    Type in your tax code to see what each part means, how much tax-free pay it gives you, and whether it is the standard code for 2026/27.

  • Marriage Allowance

    Check if you and your partner can claim the Marriage Allowance, and how much it saves your household in 2026/27, with the sum shown.

  • Corporation tax calculator

    Work out a UK company's corporation tax, including marginal relief, short accounting periods and associated companies, with the sum shown.

  • Dividend tax calculator

    Work out the tax on your dividends in 2026/27, band by band, after the dividend allowance and your other income. Every step shown.

  • Capital gains tax

    Work out Capital Gains Tax on a gain from your taxable income, the tax-free allowance and any losses, with the part charged at each rate.

  • What salary do I need?

    Enter the take-home pay you want each month or year and see the salary that gives it in 2026/27, after tax, National Insurance and pension.

  • Second job tax

    Work out the tax, National Insurance and take-home pay from two jobs in 2026/27, with the personal allowance on one job or split across both.

  • Compare salaries

    Put two or three UK salaries side by side and see the take-home pay from each in 2026/27, with the difference a year and a month.

  • Student loan

    What you repay each month on your plan.

    e.g. Plan 2, £30,000 salary

  • Pension take-home

    What you keep from a pension after income tax.

    e.g. £20,000 pension

  • Household money plan

    Prepare a money task and keep the next step on this device.

  • Part-month salary

    Estimate gross pay for part of a month, with the working shown.

  • Salary percentile

    Compare your annual gross salary with ONS 2025 full-time employee pay percentiles for the UK, nations and English regions.

  • Where your tax goes

    Estimate your annual Income Tax and National Insurance, then see an illustrative split using HM Treasury public spending shares.

Public sector pay

  • NHS pay

    Take-home pay for every Agenda for Change band and pay point.

    e.g. Band 6, England

  • NHS maternity pay calculator

    Work out your NHS maternity pay week by week: full pay, half pay plus SMP, then SMP alone. Agenda for Change rules, with the sums shown.

  • NHS pension calculator

    See what you pay into the NHS Pension Scheme, what it costs after tax relief, and the pension you build each year in the 2015 scheme.

  • NHS pay rise 2026/27

    The 2026/27 Agenda for Change pay rise for every NHS band and pay point in England and Scotland, and what it adds to take-home pay each month.

  • Teacher pay

    Take-home pay for teachers in England, Wales and Scotland.

  • Police Scotland pay

    Take-home pay at every Police Scotland pay point in 2026/27, constable to chief constable, after pension, Scottish tax and National Insurance.

  • Armed forces pay

    Take-home pay for Regular Forces ranks OR2 to OF6 in 2026/27, at every pay level, after income tax and National Insurance.

  • Resident doctor pay

    Take-home pay for resident doctors in England in 2026/27, from FY1 to ST8, after the NHS Pension, income tax and National Insurance.

  • Nurse pay

    What NHS nurses take home in 2026/27 on Agenda for Change Bands 5 to 8a, after the NHS Pension, income tax and National Insurance.

Homes

  • Salary needed to buy by area

    Compare local house prices with full-time pay, deposits and an illustrative mortgage income.

    360 local authorities

  • Mortgage calculator

    Work out the monthly payment on a repayment, interest only or part and part mortgage, with the total interest and a table for each year.

  • Mortgage affordability

    See the loan size that example income multiples give for one or two incomes, the price range with your deposit, and a monthly payment at your rate.

  • Mortgage overpayment

    How much interest you could save by paying more each month or a lump sum.

    e.g. £200 extra a month

  • House deposit

    How long it takes to save a deposit, with the Stamp Duty included.

    e.g. £250,000 home

  • Rent affordability

    The rent a typical income check would allow on your earnings.

  • Council tax

    How much council tax is a month in 2026/27: the England average for every band, and the Band D charge for every council in England, Scotland and Wales.

  • Stamp Duty

    Stamp Duty on a home in England or Northern Ireland.

  • LBTT

    Land and Buildings Transaction Tax on a home in Scotland.

  • LTT

    Land Transaction Tax on a home in Wales.

Savings and borrowing

  • Compound interest

    Estimate savings growth with monthly deposits. Compare compound and simple interest, understand AER and see your balance and interest year by year.

  • Loan repayment

    Estimate monthly loan repayments, total interest and what extra payments change. Compare time and interest saved before early repayment charges.

  • Car finance

    Work out the monthly payment, the final payment and the total cost of a PCP or hire purchase deal from the price, deposit, APR and length.

  • Inflation

    See what an amount of money from one year is worth in another, using official ONS price indices, with the total and yearly rise in prices.

  • Percentage

    Work out a percentage of a number, what percentage one number is of another, the percentage change between two figures, or add or take off a percentage.

  • Savings goal by a date

    See the deposits needed to reach a target, with no interest assumed.

    A target of £1,000.00 by 3 October 2027.

Statutory pay

  • Maternity pay after tax

    See your maternity pay month by month after tax and National Insurance, from Statutory Maternity Pay and any full or half pay your employer adds.

  • Sick pay after tax

    See what Statutory Sick Pay and any company sick pay leave you each month after tax, National Insurance, student loan and pension deductions.

  • Statutory Sick Pay

    What you are paid when you are off sick, week by week.

    e.g. 10 days off sick

  • Maternity pay

    Statutory Maternity Pay for each week of your leave.

    e.g. £600 a week before tax

  • Paternity pay

    Statutory Paternity Pay for 1 or 2 weeks of leave.

    e.g. £600 a week before tax

  • Holiday entitlement

    Work out statutory annual leave from the days you work each week, from hours if your hours vary, or for part of a year if you start or leave.

  • Redundancy pay

    Statutory redundancy pay from your age, service and weekly pay.

  • Redundancy pay after tax

    What you keep from a redundancy payment after Income Tax and National Insurance.

  • Notice period

    Work out the legal minimum notice your employer must give from your start date, compare it with your contract and find your last day.

  • Maternity leave dates

    Plan leave dates from your due date and chosen start.

    Due 17 March 2027, leave starts 1 March 2027.

Everyday tax

  • VAT calculator

    Add VAT to a net price or take it off a gross price.

    e.g. £100 plus VAT

  • Inheritance Tax

    Estimate Inheritance Tax on an estate, with the residence band for a home left to children, bands passed on by a late spouse, and gifts to charity.

Charts and data

  • Embeddable charts

    Seven static SVG charts with copyable image embeds and source notes.

    7 free charts

Games

Rates and thresholds

  • Rates and thresholds

    Income tax bands, National Insurance and key thresholds.

    2026/27 rates

  • Minimum wage

    The National Living Wage is £12.71 an hour from 1 April 2026 for workers aged twenty-one and over. Every rate by age, and the rise from last year.

More calculators

  • Electricity cost

    Estimate an appliance's electricity cost from watts and time or kWh per use. Enter your own rate to see costs per use, day, month and year.

  • Pension tax relief calculator: higher-rate relief

    Estimate higher-rate pension tax relief and any extra relief to claim from HMRC. Compare relief at source, net pay and salary sacrifice.