About these calculators
CalcBudget's calculators are designed for UK households who want a quick, clear estimate and an explanation of how it was reached. Each page shows the formula or rules used, worked examples with real figures, the assumptions behind the result and a list of official sources. Tax and property calculators use the rates for tax year 2026/27, which runs from 6 April 2026 to 5 April 2027.
Calculator results are estimates for planning. They are not financial, tax or mortgage advice, and they cannot take account of every detail of your situation. For important decisions, check figures with HMRC, GOV.UK, your lender or a qualified adviser.
Which calculator do I need?
Planning your monthly money
Start with the take-home pay calculator to estimate what your salary is worth after Income Tax, National Insurance and pension contributions. Then use the budget planner to compare that income with housing, bills, food, debt repayments and saving, and see how much is left for everything else.
If you live in Scotland, the Scottish take-home pay calculator uses the six Scottish Income Tax bands. The student loan repayment calculator estimates monthly repayments on Plans 1, 2, 4 and 5 and Postgraduate Loans, and the Child Benefit calculator shows your yearly Child Benefit and any High Income Child Benefit Charge.
For pay questions, the hourly to annual salary calculator converts between hourly rates and salaries, and the pro-rata salary calculator works out part-time and term-time pay. The salary sacrifice and pension tax relief calculator compares the cost of pension contributions under net pay, relief at source and salary sacrifice. If you work for yourself, the self-employed tax calculator estimates Income Tax and Class 4 National Insurance on your profit, and the dividend tax calculator works out tax on dividends.
Building savings
The emergency fund calculator gives you a target based on your essential spending and the number of months of cover you want. The savings goal calculator shows where a regular monthly amount could take you over a set period, and the compound interest calculator shows how a balance and regular contributions could grow over longer periods. The ISA calculator projects ISA and Lifetime ISA savings, including the 25% Lifetime ISA bonus.
Borrowing
The loan calculator estimates the monthly repayment and total interest on a fixed-rate loan. Trying the same amount over different terms shows the trade-off between a lower monthly payment and a higher total cost.
Buying a home
The mortgage affordability calculator gives a rough income-multiple estimate of how much you might be able to borrow, and the mortgage repayment calculator shows monthly payments for repayment and interest-only mortgages, including the effect of overpaying.
Tax on purchases and property
The VAT calculator adds VAT to a net price or removes it from a gross price at any rate. The Stamp Duty calculator estimates Stamp Duty Land Tax for residential purchases in England and Northern Ireland, including first-time buyer relief, the additional-property surcharge and the non-resident surcharge. For Scotland, the LBTT calculator covers Land and Buildings Transaction Tax and the Additional Dwelling Supplement; for Wales, the Land Transaction Tax calculator covers the main and higher rates.
Tips for accurate results
Each calculator is only as good as the numbers you put in. Use figures from documents where you can: a payslip or contract for salary, bank statements for spending, a lender's quote for borrowing and an estate agent's or solicitor's figures for a property price. If a number is uncertain, run the calculator two or three times with a cautious, a likely and an optimistic figure, so you can see the range rather than a single answer.
It also helps to use the calculators together. For example, a take-home pay estimate feeds into the budget planner, and the money left in your budget tells you what a realistic monthly amount for the savings goal or emergency fund calculator might be.
How we build and check them
Every calculator runs in your browser. The numbers you type are used on your device to produce the result and are not sent to us. The formulas are simple and stated on each page, so you can check them yourself.
Where a calculator depends on tax rules, we use the rates and thresholds published on GOV.UK and by HMRC, and we link to those pages from the calculator. We test the calculators against worked examples, including the examples GOV.UK publishes, and review them when rates change, usually at the start of each tax year in April and after announcements such as the Budget. Read our methodology and sources for more detail, and our corrections policy if you think something is wrong.
What the calculators do not do
The calculators are deliberately simple. The take-home pay calculator does not include Scottish Income Tax bands or student loan repayments (separate calculators cover these), and the property tax calculators cover standard residential purchases only, not more complex transactions. Savings and loan calculators assume a fixed rate and ignore tax, fees and inflation. Each page lists its own limits so you know when to look for a more detailed calculation.
Rates for tax year 2026/27, last reviewed October 2026.