Most Popular Calculators
Instant results with official HMRC rates — no signup required.
Tax Calculator
Income tax, National Insurance & take-home pay for 2025/26
Salary Calculator
Take-home pay after tax, NI, pension & student loan
Mortgage Calculator
Monthly payments, total interest & affordability checks
BMI Calculator
Body Mass Index & healthy weight range for UK adults
VAT Calculator
Add or remove VAT at 20% for UK business calculations
Stamp Duty Calculator
SDLT for property purchases in England, Scotland & Wales
Pension Calculator
Retirement pot, employer contributions & tax relief
Loan Calculator
Monthly repayments, total interest & amortisation schedule
Browse by Category
Find the right calculator for your needs.
Tax & HMRC
Income tax, VAT, capital gains, self-employed & more
🏠Property
Mortgage, stamp duty, buy-to-let & rent calculators
💚Health & Fitness
BMI, TDEE, BMR, body fat & calorie calculators
🎓Education
Student loans, UCAS points, grades & GPA tools
💼Business
VAT, profit margin, ROI, payroll & corporation tax
📈Finance
Savings, investments, loans & retirement planning
🔢Maths
Percentage, fractions, scientific & unit converters
🌟Lifestyle & Travel
Age, date, time, fuel costs & currency converters
Health, Finance & Education
Essential tools for everyday UK life.
TDEE Calculator
Daily energy expenditure for weight management
BMR Calculator
Basal metabolic rate — calories at rest
Body Fat Calculator
Estimate body fat % using the US Navy method
Calorie Calculator
Daily calorie needs based on activity level
Savings Calculator
Compound interest & ISA planning tools
Investment Calculator
Project long-term growth & returns
Student Loan Calculator
Plan 1, 2, 4, 5 & postgraduate repayments
Council Tax Calculator
Calculate by band, location & discounts
Converters & Everyday Tools
Quick conversions and time calculations.
Feet to CM
Height conversion — feet/inches to centimetres
Fahrenheit to Celsius
Temperature conversion between scales
Miles to KM
Distance conversion for driving & travel
Stone to KG
Weight conversion — stones to kilograms
Time Calculator
Add, subtract & calculate time durations
Working Days Calculator
Business days excluding UK bank holidays
Age Calculator
Exact age in years, months & days
Date Calculator
Days between dates & add/subtract days
Latest Guides & Articles
In-depth UK financial advice updated for 2025/26.
2026/27 UK Tax Changes
How the latest tax changes affect your take-home pay with worked examples
TaxUK Tax Rates & Bands 2025/26
Complete guide to income tax, NI and personal allowances
PropertyMortgage Calculator Guide
How to calculate payments and find the best UK rates
View All 170+ Guides →
Browse our complete collection of UK financial guides and articles
Why Use UK Calculator?
HMRC Verified Rates
All tax calculators use official 2025/26 HMRC rates, thresholds and allowances
100% Private
All calculations run locally in your browser — we never store your data
Instant Results
Professional-grade calculators with detailed breakdowns — no signup needed
Mobile Friendly
Fully responsive design that works on any phone, tablet or desktop
Explore All 190+ UK Calculators
Tax, salary, mortgage, BMI, VAT and hundreds more — all free, all updated for 2025/26.
View All Calculators →Last updated: February 2026 | All rates verified against official HMRC sources
Why UK Residents Trust Our Calculators
Accurate, free and private financial tools built specifically for the United Kingdom.
HMRC-Sourced Data for 2025/26
Every tax calculator on UK Calculator is built using official data published by HM Revenue and Customs. When the government updates Income Tax bands, National Insurance thresholds, or capital gains allowances, we update our calculators within days. For the current 2025/26 tax year (running from 6 April 2025 to 5 April 2026), all rates, thresholds and allowances reflect the latest HMRC guidance. This means the figures you see in our tax calculator, salary calculator and National Insurance calculator match exactly what HMRC uses to assess your liability. We cross-reference multiple official sources including GOV.UK publications, HMRC technical notes and the Finance Act to ensure nothing is missed. Whether you are calculating your annual Income Tax bill, working out employer National Insurance contributions, or estimating your self-employed tax liability, you can rely on the numbers being correct and current.
Free Forever, No Registration Required
Unlike many financial tools online, UK Calculator is completely free to use. There is no premium tier, no paywall, and no signup form. You do not need to create an account, hand over an email address, or provide any personal information before using our calculators. Every single one of our 190+ calculators is available instantly, with full functionality, to anyone who visits the site. We believe essential financial tools should be accessible to everyone in the United Kingdom, regardless of income or technical ability. From a first-time employee calculating their take-home pay to a property investor working out stamp duty on a buy-to-let purchase, every user gets the same professional-grade experience without cost or restriction.
Your Privacy Is Our Priority
All calculations on UK Calculator run entirely within your web browser. When you enter your salary, mortgage amount, or any other figure, that data never leaves your device. We do not transmit your financial details to any server, we do not store them in any database, and we certainly do not share them with third parties. This client-side processing approach means your sensitive financial information remains completely private. In an era of frequent data breaches and growing concerns about digital privacy, we have deliberately chosen to build our tools so that privacy is guaranteed by design, not merely promised by policy. You can use our tax calculator with your real salary figures knowing that the data exists only on your screen and nowhere else.
Trusted by Thousands Every Month
Thousands of UK residents use our calculators every month to make informed decisions about their finances, health and education. Our users range from individuals checking their tax position before the self-assessment deadline, to small business owners estimating their corporation tax or VAT liabilities, to families calculating mortgage affordability before making an offer on a property. Many accountants and financial advisers also use our tools for quick estimates and client illustrations. The breadth and depth of our calculator collection, combined with our commitment to accuracy and regular updates, has made UK Calculator one of the most comprehensive free calculator resources available to people living and working in the United Kingdom.
UK Tax & Finance Quick Guide for 2025/26
Essential tax rates, thresholds and allowances you need to know this tax year.
How the UK Tax System Works
The United Kingdom operates a progressive income tax system, which means you pay a higher percentage of tax on higher portions of your income. Your income is divided into bands, and each band is taxed at a different rate. It is important to understand that you do not pay the higher rate on all of your income — only on the portion that falls within that band. For example, if you earn £60,000 per year, you pay zero tax on the first £12,570 (your Personal Allowance), 20% on the next £37,700, and 40% only on the remaining £9,730. This is a common point of confusion that our tax calculator helps clarify by showing a detailed breakdown of exactly how much you owe at each band.
2025/26 Income Tax Bands (England, Wales & Northern Ireland)
| Band | Taxable Income | Tax Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 to £50,270 | 20% |
| Higher Rate | £50,271 to £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
National Insurance Contributions (Class 1 Employee)
In addition to Income Tax, most employees also pay National Insurance contributions (NICs). For the 2025/26 tax year, Class 1 employee NICs are charged at 8% on earnings between £12,570 and £50,270 per year (the Primary Threshold to the Upper Earnings Limit). Earnings above £50,270 are subject to a reduced NIC rate of 2%. Employers also pay NICs at 15% on employee earnings above the Secondary Threshold of £5,000 per year, with an Employment Allowance of £10,500 available for eligible employers. National Insurance is a significant part of your overall tax burden, and understanding it is crucial for accurate take-home pay calculations. Our National Insurance calculator provides a complete breakdown of both employee and employer contributions.
Scottish Income Tax Rates 2025/26
Scotland has its own income tax rates that differ from the rest of the UK. Scottish taxpayers face six bands: Starter rate (19%), Basic rate (20%), Intermediate rate (21%), Higher rate (42%), Advanced rate (45%), and Top rate (48%). The thresholds for these bands are set by the Scottish Parliament and differ from those in England, Wales and Northern Ireland. If you live in Scotland, use our dedicated Scottish Income Tax calculator to get accurate figures for your situation.
Understanding these rates and thresholds is essential for effective financial planning. Whether you are negotiating a pay rise, considering a job offer, or planning your retirement contributions, knowing how much of each additional pound goes to tax and National Insurance helps you make smarter decisions. Use our salary calculator to see exactly how any change in gross pay translates to your net take-home amount.
Understanding UK Mortgages
Navigate the UK property market with the right knowledge and tools.
The Current UK Mortgage Landscape
The UK mortgage market has seen significant changes in recent years. Following a period of historically low interest rates, borrowing costs have adjusted and stabilised. As of early 2026, mortgage rates vary depending on the product type, loan-to-value ratio, and term length. First-time buyers, home movers and those looking to remortgage all face different considerations. Understanding how interest rates affect your monthly payments over the full term of a mortgage is crucial before committing to what is typically the largest financial obligation most people will ever take on. Our mortgage calculator allows you to model different scenarios, adjusting the property price, deposit amount, interest rate and term to see how each variable affects both your monthly payment and the total amount of interest you will pay over the life of the loan.
Fixed Rate vs Variable Rate Mortgages
When choosing a mortgage, one of the most important decisions is whether to opt for a fixed rate or a variable rate. A fixed-rate mortgage locks in your interest rate for a set period, typically two or five years, giving you certainty over your monthly payments regardless of what happens to the Bank of England base rate. This makes budgeting easier and protects you from rate increases. A variable rate mortgage, on the other hand, can change over time. Tracker mortgages follow the Bank of England base rate directly, while standard variable rates (SVR) are set by individual lenders and can change at their discretion. Variable rates may start lower than fixed rates but carry the risk of increasing, which could make your monthly payments significantly higher. Most UK mortgage advisers recommend fixing your rate if you value payment certainty, particularly in periods of economic uncertainty.
How to Use Our Mortgage Calculator
Our mortgage calculator is designed to give you a clear, instant picture of what your mortgage will cost. Simply enter the property price, your deposit amount, the interest rate you have been quoted (or expect to receive), and the mortgage term in years. The calculator will instantly show your estimated monthly repayment, the total amount you will repay over the full term, and how much of that total is interest. You can also compare different scenarios side by side. For example, see how increasing your deposit by £10,000 reduces your monthly payment, or how choosing a 25-year term versus a 30-year term affects total interest paid. This kind of modelling is invaluable when making one of the biggest financial decisions of your life.
Before purchasing a property, it is also essential to understand stamp duty costs. Our stamp duty calculator shows you exactly how much Stamp Duty Land Tax (SDLT) you will owe on your property purchase in England and Northern Ireland, with separate calculations available for Scotland (LBTT) and Wales (LTT). For a broader view of what you can afford, our mortgage affordability calculator takes into account your income, existing debts and monthly commitments to estimate the maximum mortgage a lender is likely to offer you.
Health & Wellbeing Calculators
Track your health metrics with tools aligned to NHS guidelines.
Why BMI Matters — NHS Guidelines
Body Mass Index (BMI) is a widely used screening tool recommended by the NHS to assess whether an individual falls within a healthy weight range. It is calculated by dividing your weight in kilograms by your height in metres squared. According to NHS guidelines, a BMI between 18.5 and 24.9 is considered healthy, 25 to 29.9 is overweight, and 30 or above is classified as obese. While BMI does not directly measure body fat and has limitations (for example, it may overestimate body fat in muscular individuals and underestimate it in older adults), it remains a useful starting point for understanding your weight status and potential health risks. A high BMI is associated with increased risk of type 2 diabetes, heart disease, stroke and certain cancers. Our BMI calculator uses the standard NHS formula and provides personalised results with guidance on what your BMI means and what steps you might consider next.
Calorie, Fitness & Body Composition Tools
Beyond BMI, we offer a comprehensive suite of health calculators to support your wellbeing goals. Our TDEE calculator (Total Daily Energy Expenditure) estimates the number of calories you burn each day based on your age, gender, weight, height and activity level. This is essential for anyone looking to lose weight, gain muscle, or simply maintain their current weight. The BMR calculator shows your Basal Metabolic Rate — the number of calories your body needs at complete rest just to maintain basic functions like breathing and circulation. Our body fat calculator uses the US Navy method to estimate your body fat percentage from simple body measurements, giving you a more nuanced picture of body composition than BMI alone. And for day-to-day nutrition planning, our calorie calculator provides tailored daily calorie targets based on your personal profile and weight management goals. Together, these tools give you the data you need to make informed decisions about your diet, exercise and overall health.
Education & Career Tools
Supporting students, graduates and professionals across the UK.
UCAS Points & Grade Calculators
Navigating the UK university application process can be daunting, particularly when it comes to understanding UCAS tariff points. Different qualifications carry different point values, and universities set their entry requirements using these points. Our UCAS points calculator lets you quickly convert your A-Level, BTEC, Scottish Higher, and other qualification grades into their UCAS tariff point equivalents. This makes it easy to check whether you meet the entry requirements for your chosen course. We also provide a GPA calculator for university students who need to track their grade point average across modules and academic years, which is particularly useful for those considering postgraduate study or careers where a specific degree classification is required.
Salary Comparisons & Career Planning
Understanding your earning potential and actual take-home pay is essential at every stage of your career. Our salary calculator shows you exactly how much you will receive after Income Tax, National Insurance, pension contributions and student loan repayments are deducted. This is invaluable when comparing job offers, negotiating a pay rise, or considering a move to a different region of the UK where living costs may differ. For graduates dealing with student loan repayments, our student loan calculator covers all repayment plan types including Plan 1, Plan 2, Plan 4 (Scotland), Plan 5, and postgraduate loans. It shows your monthly repayment amount based on your salary and estimates how long it will take to repay your loan in full, helping you plan your finances for the years ahead.
For those facing redundancy or considering their options during a career change, our redundancy pay calculator estimates your statutory redundancy entitlement based on your age, length of service and weekly pay. Understanding your rights and expected payments helps you plan the transition to your next role with greater confidence.
Frequently Asked Questions
Everything you need to know about using UK Calculator.
Are these calculators really free to use?
Yes, every single calculator on UK Calculator is 100% free. There are no premium features hidden behind a paywall, no subscription plans, and no registration required. We provide over 190 professional-grade calculators covering tax, salary, mortgage, health, education and more, and every one of them is available to use immediately without creating an account or providing any personal details. Our mission is to make essential financial and everyday tools accessible to everyone in the UK.
How accurate are the tax calculations?
Our tax calculators use the official Income Tax rates, National Insurance thresholds, and personal allowances published by HMRC for the 2025/26 tax year. We update all figures as soon as changes are announced, typically within days of the Spring Budget or Autumn Statement. While our calculators provide highly accurate estimates based on the information you enter, they are designed for guidance purposes. Individual circumstances such as benefits in kind, multiple income sources, or complex pension arrangements may affect your actual tax position. We always recommend consulting a qualified tax professional or accountant for complex tax matters or before making significant financial decisions based on the results.
Do you store my personal data?
No. All calculations run entirely in your web browser using client-side JavaScript. The figures you enter into our calculators — your salary, mortgage amount, weight, or any other data — are processed locally on your device and are never sent to our servers or any third party. When you close the page, your data is gone. We do not use cookies to track your calculator inputs, and we do not build user profiles. Your financial and personal information remains completely private. You can read our full privacy policy for complete details on how we handle data.
How often are the calculators updated?
We update all tax-related calculators at the start of each new UK tax year in April, and whenever the government announces changes to rates and thresholds during the year through Budgets or fiscal statements. Non-tax calculators such as our mortgage, health and education tools are reviewed and updated regularly throughout the year to ensure they reflect current best practices and any changes to relevant guidelines. Our editorial team monitors HMRC publications, NHS guidelines, UCAS tariff changes and Bank of England announcements to keep every calculator current and accurate.
Can I use these calculators on my mobile phone?
Yes, absolutely. Every calculator on UK Calculator is fully responsive and designed to work seamlessly on smartphones, tablets and desktop computers. The input fields, results displays and charts all adapt automatically to your screen size. Whether you are checking your tax on the train, calculating mortgage payments on your phone during a property viewing, or running BMI calculations on a tablet at home, you will get the same full-featured, accurate experience as on a desktop computer. We test across all major browsers including Chrome, Safari, Firefox and Edge on both iOS and Android devices.
Are Scottish tax rates included?
Yes. Scotland has its own income tax rates and bands that differ from the rest of the UK, and we provide a dedicated Scottish Income Tax calculator that uses the exact rates set by the Scottish Parliament for 2025/26. Scotland currently has six income tax bands (Starter, Basic, Intermediate, Higher, Advanced and Top rate) compared to three in the rest of the UK. Our main tax calculator also includes an option to select Scotland as your tax region, automatically applying the correct Scottish rates to your calculation. This ensures Scottish taxpayers get accurate results tailored to their specific tax regime.
What is the Personal Allowance for 2025/26?
The standard Personal Allowance for the 2025/26 tax year is £12,570. This is the amount of income you can earn before you start paying Income Tax. The Personal Allowance has been frozen at this level since 2021/22 and is expected to remain at £12,570 until at least April 2028. It is worth noting that the Personal Allowance is gradually reduced for individuals earning over £100,000 per year, decreasing by £1 for every £2 of income above this threshold. This means taxpayers earning £125,140 or more have no Personal Allowance at all. Our tax calculator automatically accounts for this tapering when you enter your income.
Do your calculators work for self-employed individuals?
Yes. We provide a dedicated self-employed tax calculator that calculates Income Tax and Class 2 and Class 4 National Insurance contributions for sole traders and freelancers. Self-employed individuals have different NIC rates and thresholds compared to employees, and our calculator accounts for these differences. You can enter your total self-employed income and allowable expenses, and the calculator will show your tax bill, NIC liability and net profit. This is particularly useful for self-assessment tax return planning and for setting aside the right amount throughout the year to cover your January and July tax payments.
Latest Updates
Recent changes and improvements to UK Calculator.
New Blog Posts and Comprehensive Guides Added
We have published several new in-depth guides covering topics including the 2026/27 UK tax changes and how they affect your take-home pay, a comprehensive mortgage calculator guide for 2025, and detailed explanations of stamp duty for first-time buyers. Our blog now features over 170 articles covering all aspects of UK tax, finance, property, health and education. Visit our blog to browse the full collection.
All Tax Calculators Updated for 2025/26 Tax Year
Every tax-related calculator has been updated to reflect the confirmed rates and thresholds for the 2025/26 tax year. This includes Income Tax bands, National Insurance rates, dividend allowances, capital gains tax annual exempt amounts, and pension contribution limits. All figures have been verified against official HMRC publications and GOV.UK documentation.
New Calculators and Performance Improvements
We added several new calculators to the site including the credit card payoff calculator, electricity cost calculator, and enhanced our existing mortgage affordability tool. Across the entire site, we have improved page load speeds, enhanced mobile responsiveness, and added dark mode support to all calculators for a more comfortable experience when browsing in low-light conditions.