Make better financial decisions.
Free UK calculators and tools to help you understand tax, income, borrowing, property, saving and everyday money.
Independent UK financial tools — not affiliated with HMRC or the UK Government.
Take Home Pay Calculator
2026/27Take-home / year
£42,457
Take-home / month
£3,538
England rates shown. Choose your region and add pension or student loan details in the full calculator.
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Popular tools
Take Home Pay Calculator
Calculate your estimated UK take-home pay after Income Tax and National Insurance.
Mortgage Repayment Calculator
Estimate your monthly mortgage repayments, total interest and total amount repaid.
Savings Interest Calculator
See how your savings could grow with compound interest and regular contributions.
Why FinanceTools.uk
Uses current UK tax rates
Every calculation is based on published 2026/27 HMRC and government thresholds, kept in one place and updated each tax year.
Fast, no sign-up needed
Get an answer in seconds. No account, no email required, no unnecessary steps.
Built for real decisions
Clear breakdowns, not just a single number, so you understand where your money goes.
Works on any device
Every calculator is designed mobile-first and works just as well on desktop.
Guides & resources
We're building out plain-English guides to go alongside every calculator. In the meantime, every calculator above is free to use, with no sign-up required.
Browse all calculators