Shows its working
Every result comes with the steps, the rates used and a link to the official source, so you can check it yourself.
Free UK money calculators · 2026/27
Know your money numbers in seconds.
Work out your take-home pay, mortgage costs, Stamp Duty, savings and debt with up-to-date UK rules, and see exactly how each figure is worked out.
- Free, no sign-up
- Updated for 2026/27
- Figures stay in your browser
- Plain-English guides
QUICK ANSWERS
The numbers people look up most.
Real 2026/27 figures, worked out with the same calculators you can use below.
£30,000 salary after tax£2,093a month in England, Wales or NISee the working
Stamp Duty on a £300,000 home£5,000£0 for first-time buyersSee the working
£200,000 mortgage at 4.5%£1,112a month over 25 yearsSee the working
Saving £500 a month at 4%£6,111after one yearSee the working
£3,000 on a 24.9% credit card£56a month in interest aloneSee the working
£100,000 salary after tax£5,713a month, and the 60% tax trapSee the working
CALCULATORS
Pick the question you need answered.
11 free calculators covering pay, property, borrowing and saving.
Take-home payYour pay after tax, NI, pension and student loan.
MortgageMonthly payments, total interest and overpayments.
Stamp DutyEngland, Scotland, Wales and NI, every buyer type.
Salary & pay riseWhat a new salary or pay rise is worth each month.
Savings goalHow long to reach a target, or how much to save.
Debt payoffYour debt-free date and how to get there sooner.
AffordabilityCheck a new payment against your whole budget.
Car financeHP and PCP payments, interest and total cost.
Personal loanMonthly cost and total repaid at any APR.
Compound interestWatch savings grow year by year.
VATAdd or remove VAT at 20%, 5% or any rate.
All calculatorsBrowse everything in one place.
MONEY GUIDES
All 36 guides Clear answers, with real numbers.
PAYSalary after tax: the full UK tableTake-home pay for every salary from £15,000 to £150,000 in 2026/27.
PROPERTYHow much mortgage can I afford?What you could borrow on your salary, and what it would cost each month.
PROPERTYFirst-time buyer Stamp DutyPay nothing up to £300,000. See exactly what you would owe above that.
MORTGAGEIs overpaying your mortgage worth it?£100 a month extra can save over £20,000 in interest.
PAYSalary sacrifice explainedWhy £100 into your pension can cost you as little as £58.
SAVINGHow much emergency fund do I need?A simple target based on your bills, and how fast to build it.
WHY WORTHCHEX
Built to be trusted with your numbers.
Tested on every change
Automated checks compare our calculators with answers worked out by hand, such as £32,320 take-home on a £40,000 salary. How we check.
Private by design
No account, no bank details. The numbers you type are worked out in your browser and never sent to us.
QUESTIONS
Frequently asked questions
Are the calculators really free?
Yes. Every calculator and guide is free, with no sign-up. The site is funded by advertising.
Are the figures up to date?
The tax calculators use 2026/27 rules for Income Tax, National Insurance, student loans and Stamp Duty across England, Scotland, Wales and Northern Ireland. Every page shows when it was last reviewed and links to the official source.
Do you store the numbers I type in?
No. Calculations run in your browser and your figures are not sent to WorthChex. See the privacy policy for how cookies and ads work.
Is this financial advice?
No. WorthChex gives estimates to help you plan and compare. For big decisions, check with the official source or a regulated adviser.