UK Financial Calculators
Free calculators for UK residents. Mortgage repayments, Stamp Duty Land Tax (post-September 2024 thresholds), take-home pay with income tax and National Insurance, ISA projections, and Council Tax band estimates. All updated for the 2025/26 tax year.
UK Mortgage Calculator
Calculate monthly UK mortgage repayments for repayment or interest-only mortgages at current UK rates (4.5–6% fixed).
UK fixed-rate mortgages typical range 4.5–6% (April 2026). Variable/tracker rates may differ. Interest-only requires a separate repayment vehicle.
Stamp Duty Calculator (SDLT)
Calculate Stamp Duty Land Tax (SDLT) in England and Northern Ireland using post-September 2024 thresholds.
SDLT thresholds (post-Sept 2024): £0–250K nil, £250K–925K 5%, £925K–1.5M 10%, £1.5M+ 12%. Scotland uses LBTT, Wales uses LTT — rates differ.
UK Take-Home Pay Calculator
Calculate your UK take-home salary after income tax and National Insurance for 2025/26.
2025/26 rates: Personal allowance £12,570. Basic 20% (up to £50,270), Higher 40% (up to £125,140), Additional 45%. NI: 12% (£12,570–50,270), 2% above.
ISA Calculator
Project ISA growth with the £20,000 annual allowance. Compare Stocks & Shares ISA vs Cash ISA returns.
ISA allowance is £20,000 per tax year (2025/26). All growth and income within an ISA is tax-free. Stocks & Shares ISA returns are not guaranteed.
Council Tax Band Estimator
Estimate your Council Tax band (A–H) based on your property's 1991 valuation. Bands vary by local authority.
Council Tax bands are based on 1991 property values in England. Band D is the reference band. Single-person discount of 25% applies if you live alone. Rates vary by local authority.
Financial Calculators for UK Residents
UK financial planning involves navigating income tax, National Insurance, Stamp Duty Land Tax, and tax-efficient vehicles like ISAs. Our calculators use the latest 2025/26 HMRC tax bands: personal allowance £12,570, basic rate 20% up to £50,270, higher rate 40% up to £125,140, and additional rate 45% above that.
SDLT thresholds were updated in September 2024: nil rate applies up to £250,000 (down from £425,000), 5% on £250K–£925K, 10% on £925K–£1.5M, and 12% above. First-time buyers retain nil-rate relief up to £425K on properties priced £625K or below.