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    Crafted finance calculators for the UK

    Fast, accurate calculators for salary, mortgages, tax, pensions and more. Free to use, no signup required.

    Salary

    Take-home pay, hourly rates, IR35, and bonus calculators

    Property

    Stamp duty, mortgage, buy-to-let, and overpayment tools

    Tax

    Capital gains, dividend, self-employed, and VAT calculators

    Pension

    Pension projections, tax relief, and annuity tools

    Insurance

    Life, critical illness, and income protection calculators

    Vehicles

    Lease vs buy, company car tax, and running cost tools

    Built for accuracy

    Formulas verified against HMRC source data.

    Privacy-first

    All calculations run in your browser, nothing stored.

    Updated for 2026/27

    Current tax year rates baked in.

    Featured calculators

    Property

    Mortgage Overpayment Calculator

    See exactly how much interest you save and how much sooner you'll be mortgage-free by overpaying.

    Try it
    Property

    Stamp Duty Calculator

    Work out SDLT, LBTT or LTT on any UK property purchase, including first-time buyer relief and the additional-property surcharge.

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    Categories

    • Salary
    • Property
    • Tax
    • Pension
    • Insurance
    • Vehicles

    Tools

    • Take-home pay
    • Mortgage overpayment
    • Mortgage affordability
    • Stamp duty
    • IR35 calculator
    • Pro rata salary
    • 60% tax trap
    • Capital gains tax
    • Inheritance tax
    • Buy-to-let yield
    • Pension tax relief
    • Pension pot projection
    • Life insurance needs
    • Critical illness
    • Income protection
    • Mortgage life cover

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    Calcsmith provides estimates for general guidance. Not financial advice.