Finance calculators that get the actual rules right
Mortgages, loans, savings, UK tax, Gulf employment rules and sending money home — each tool uses the real current rates and thresholds, shows the formula and explains the answer.
Most used
Loans & Mortgages
Repayments, amortisation schedules and total interest.
Mortgage Calculator
Monthly payment, total interest, LTV and the effect of overpaying.
Loan / EMI Calculator
Monthly repayment, total interest and full amortisation schedule.
Mortgage Affordability Calculator
How much you can borrow from income multiples and monthly budget.
Mortgage Overpayment Calculator
Interest saved and years cut by overpaying monthly or with a lump sum.
Car Loan / Finance Calculator
Monthly payment for HP or PCP with deposit and balloon payment.
Credit Card Payoff Calculator
How long to clear a card and what minimum payments really cost.
Debt Payoff Calculator (Avalanche vs Snowball)
Avalanche vs snowball across up to four debts.
Rent vs Buy Calculator
Net wealth after N years as an owner vs a renter who invests.
APR to APY (Effective Rate) Calculator
Convert nominal APR to effective APY and back for any compounding.
Savings & Investing
Compound growth, returns and goal planning.
Compound Interest Calculator
Growth with monthly contributions, any compounding frequency.
Savings Goal Calculator
Monthly amount needed to hit a target by a date.
Retirement Calculator
Projected pot, sustainable income and the gap to your target.
SIP Calculator
Maturity value of a monthly investment plan with optional step-up.
Simple Interest Calculator
Interest on principal only, with the compound comparison.
ROI Calculator
Return on investment and annualised return after fees.
CAGR Calculator
Compound annual growth rate between two values.
Inflation Calculator
Future cost of today’s money, or purchasing power lost.
Rule of 72 Calculator
Years to double your money at any rate, and the exact figure.
Future Value Calculator
FV of a lump sum and/or regular payments at a periodic rate.
NPV & IRR Calculator
NPV, IRR, profitability index and payback for a cash-flow series.
FIRE Calculator
Your FIRE number and the year you can stop working.
Dividend Income Calculator
Dividend income growth with or without reinvesting.
Emergency Fund Calculator
How many months of essentials you need and how long to build it.
Net Worth Calculator
Assets minus liabilities, with liquid net worth and debt ratio.
UK Tax & Residence
Take-home pay and Statutory Residence Test tools for UK taxpayers and British expats.
UK Stamp Duty Calculator (SDLT)
SDLT for first-time buyers, movers and second homes (5% surcharge).
TaxUK Take-Home Pay Calculator 2026/27
Salary after tax, NI, pension and student loan.
TaxUK Residence Day Counter (SRT)
Count UK days, tick ties, see your Statutory Residence Test status.
TaxUK Capital Gains Tax Calculator
CGT on property or shares at 18% / 24% after the £3,000 allowance.
TaxUK Inheritance Tax Calculator
IHT at 40% above the £325k nil-rate band and £175k residence band.
TaxUK Dividend Tax Calculator 2026/27
Dividend tax at 10.75% / 35.75% / 39.35% after the £500 allowance.
TaxUK Pension Tax Relief Calculator
What a contribution really costs after 20/40/45% relief.
PropertyUK Rental Yield & Buy-to-Let Calculator
Gross/net yield, cash flow and after-tax return on a buy-to-let.
TaxUK VAT Calculator (20%)
Add or remove 20%, 5% or 0% VAT.
TaxUK Student Loan Repayment Calculator
Monthly repayments by plan and whether you ever clear it.
EmploymentUK Redundancy Pay Calculator
Statutory redundancy by age bands and capped weekly pay.
EmploymentUK Salary Converter (Hourly, Annual, Pro-Rata)
Hourly ↔ annual and pro-rata part-time salary.
SavingsUK ISA Calculator
Tax-free growth of a stocks & shares ISA with fees.
Everyday Maths
Percentages, tax and quick conversions.
Percentage Calculator
X% of Y, percentage change, and what percent X is of Y.
Tip Calculator
Tip amount, total and split between people.
Age Calculator
Exact age in years, months, days, plus next birthday.
BMI Calculator
Body mass index, category and healthy weight range.
Currency Converter
Live mid-market rates for 150+ currencies.
Discount Calculator
Sale price, saving and stacked discounts.
Sales Tax Calculator
Add or back out sales tax at any rate.
Margin & Markup Calculator
Gross margin, markup and the price for a target margin.
Break-Even Calculator
Units and revenue needed to cover fixed costs.
Hourly to Salary Calculator
Hourly rate to annual, monthly, weekly and daily pay.
Date Calculator (Days Between Dates)
Days between dates, working days, and date ± N days.
Fuel Cost Calculator
Trip fuel cost, per person and monthly commuting cost.
50/30/20 Budget Calculator
50/30/20 budget split and where you are over or under.
Payback Period Calculator
Simple and discounted payback for any investment or saving.
Islamic Finance
Zakat and Shariah-compliant finance calculators.
Send Money Home
Live mid-market rates and true-cost checks for every major Gulf remittance corridor.
GCC & Expat
Gratuity, leave, overtime, VAT, corporate tax and property tools for UAE, Qatar, Saudi Arabia, Oman, Bahrain and Kuwait.