The money questions that usually mean an afternoon of tabs
Seven plain-English UK calculators. Enter your numbers and get one clear answer, worked out line by line, using published statutory rates for 2026/27.
Take-home pay calculator
Enter a gross salary and see what actually lands in your account — income tax, National Insurance and student loan all worked out.
Your details
Take-home pay
Where each £100 of your salary goes
How this is worked out
Uses 2026/27 rates: personal allowance £12,570 (tapered by £1 for every £2 earned above £100,000), employee National Insurance at 8% between £12,570 and £50,270 then 2% above, and current student loan thresholds.
- Pension contributions are treated as salary sacrifice, so they reduce taxable pay and NI-able pay.
BR/D0/D1apply a flat rate to all taxable income with no personal allowance — how HMRC treats most second jobs and emergency codes with no P45.- Tick Scottish income tax to use the Scottish bands (19%–48%). On a Scottish flat-rate code (SBR/SD0/SD1), tick the box and pick the closest rate.
- Student loan repayment is 9% of income above the plan threshold (6% for a Postgraduate loan).
This is an estimate. Benefits in kind, non-salary-sacrifice pensions, and multiple jobs can all change the figure.
Common questions
Why is my take-home lower than a "salary after tax" site shows?
Most likely the pension field. By default this assumes a 5% salary-sacrifice pension, which comes out before tax. Set it to 0 to see the figure with no pension deduction.
Does this include the tax-free personal allowance?
Yes. On the standard 1257L code the first £12,570 is tax-free, then 20%, 40% and 45% bands apply on top. Above £100,000 the allowance tapers away and is gone by £125,140.
Statutory redundancy pay calculator
The legal minimum you're owed if you're made redundant, based on your age, length of service and pay. Most people qualify after two years with the same employer.
Your details
Statutory redundancy pay
Weeks owed, by the age you were during each year of service
How this is worked out
For each complete year of service you get:
- 0.5 week's pay for a year in which you were under 22
- 1 week's pay for a year in which you were 22 to 40
- 1.5 weeks' pay for a year in which you were 41 or older
Weekly pay is capped at £751 (2026/27), even if you earn more, and only the last 20 years of service count. This is the legal minimum — your employer may pay more under an enhanced scheme. Statutory redundancy pay is tax-free up to £30,000.
Common questions
Do I qualify with less than two years' service?
Not for statutory redundancy pay — that needs two complete years. Your contract may still promise a redundancy payment, and you're always owed your notice pay and any accrued holiday.
Is redundancy pay taxed?
Genuine redundancy payments are tax-free up to £30,000. Anything above £30,000, and any payment in lieu of notice, is taxable as normal.
Maternity & paternity pay calculator
Estimates your Statutory Maternity Pay or Statutory Paternity Pay — the legal minimum most employers pay while you're off.
Your details
Estimated total statutory pay
How the 39 weeks break down
How this is worked out
The standard weekly rate is £194.32 (2026/27).
- Maternity: 90% of average earnings for the first 6 weeks, then the lower of 90% or £194.32 for the remaining 33 weeks.
- Paternity: the lower of 90% of earnings or £194.32, for both weeks.
Figures are gross, before tax and National Insurance. Many employers offer a more generous occupational scheme on top.
Common questions
What if I earn less than £129 a week?
You won't qualify for Statutory Maternity Pay, but you may be able to claim Maternity Allowance from the DWP instead, which has a lower earnings test.
Is statutory maternity pay taxed?
Yes — it's treated as earnings, so income tax and National Insurance apply in the normal way. The figures here are before those deductions.
Stamp duty calculator (England & NI)
Stamp Duty Land Tax on a property purchase, using the rates in place since April 2025.
Your details
Stamp duty owed
Stamp duty as a share of the purchase price
How this is worked out
Tax is charged in bands on the slice of the price that falls in each band:
- Home mover: 0% to £125,000 · 2% to £250,000 · 5% to £925,000 · 10% to £1.5m · 12% above.
- First-time buyer: 0% to £300,000 · 5% from £300,000 to £500,000. No relief at all above £500,000 — standard rates apply.
- Additional property: a 5% surcharge on top of every standard band (second homes, buy-to-lets).
England and Northern Ireland only. Scotland uses LBTT and Wales uses LTT, which have different thresholds.
Common questions
Who counts as a first-time buyer?
Someone who has never owned a residential property anywhere in the world, buying a home they'll live in. If you're buying with someone else, you both have to be first-time buyers to get the relief.
When is the 5% surcharge charged?
When you'll own more than one residential property at the end of the day of purchase — a buy-to-let, a holiday home, or a second home before you've sold the first. If you replace your main home you can reclaim it later.
Pension withdrawal tax calculator
Estimates the income tax due if you take a taxable lump sum from your pension, on top of any other income this tax year.
Your details
Estimated tax on this withdrawal
What you keep vs what goes in tax
How this is worked out
Uses 2026/27 England, Wales & Northern Ireland bands: personal allowance £12,570, 20% to £50,270, 40% to £125,140, 45% above. The withdrawal is stacked on top of your other income, so the tax shown is the extra tax the withdrawal causes.
This is a plain estimate, not advice. Large withdrawals can also taper your personal allowance (above £100,000 total income) and trigger the Money Purchase Annual Allowance, cutting how much you can pay back into a pension. Worth checking with your provider first.
Common questions
Is the 25% tax-free lump sum included here?
No. Enter only the taxable part of what you're taking — the amount beyond your tax-free cash. The 25% lump sum has no income tax on it.
Why might I get taxed more at first?
Providers often apply an emergency tax code to a first withdrawal, taxing it as if you'll take that amount every month. HMRC refunds the difference — this calculator shows the correct final figure, not the emergency one.
Notice period & holiday entitlement calculator
Your statutory minimum notice period and annual holiday entitlement — the legal floor, regardless of what your contract says.
Your details
Statutory minimum notice
Statutory minimum holiday
How this is worked out
Notice: 1 week once you've worked a month, then 1 extra week for each complete year of service from 2 years onward, capped at 12 weeks.
Holiday: 5.6 weeks a year, pro-rated to your working pattern (days per week × 5.6), capped at 28 days even if you work 6 or 7 days a week. Bank holidays can be counted towards this minimum.
Your contract may offer more than either figure. It can never offer less.
Common questions
Does my employer have to give me the notice in my contract?
They must give the greater of your contractual notice and the statutory minimum shown here. If the contract is silent, the statutory minimum applies.
Do part-time workers get 28 days too?
No — 28 days is the cap for someone working 5+ days a week. Part-timers get 5.6 weeks of their working week: someone on 3 days a week gets 16.8 days.
Compound interest calculator
See how a lump sum and regular contributions grow over time, with interest earning interest on itself.
Your details
Final balance
What makes up the final balance
How this is worked out
Each period, interest is added to your starting amount plus every contribution made so far — so you earn interest on your interest, not just your original money. Contributions are added at the start of each period, then interest is applied for that period.
- Set compounding to monthly if you want interest calculated and added every month (typical for savings accounts), or annually if it's calculated once a year (typical for some investment products).
- Contribution frequency can be different from compounding — e.g. contribute monthly into an account that compounds annually.
- This is a projection based on a fixed rate you enter. Real accounts and investments can have variable rates, fees, and tax on interest above your allowance — none of that is included here.
Common questions
What's the difference between compound and simple interest?
Simple interest is only ever calculated on your original amount. Compound interest is calculated on your original amount plus any interest already earned, so your balance grows faster the longer you leave it.
Does adding regular contributions really make that much difference?
Yes — each contribution starts earning its own compound interest from the moment it's added, so contributing monthly rather than saving the same amount as one lump sum at the end of the year typically leaves you with a noticeably higher balance.
Does this account for tax on interest?
No. UK savers have a Personal Savings Allowance, and interest inside an ISA is always tax-free — this calculator shows growth before any tax, since that depends on your other income and which account you use.