CalcTool — 25 Free UK Finance & Science Calculators

Scientific Calculator

Full scientific calculator with trigonometry, logarithms, powers, and memory functions.

Currency Converter

Convert between 15 major world currencies using indicative rates.

Amount

From

Converted Amount

—

Exchange Rate

—

Inverse Rate

—

Indicative rates only — updated periodically. Not suitable for live transactional use.

Compound Interest

Real-time results as you adjust sliders. See exactly how your money compounds.

Initial Deposit

Monthly Contribution

Interest Rate — 7.0%

Time Period — 20 yrs

Compound Frequency

Final Balance

—

Total Contributed

—

Interest Earned

—

Return Multiple

—

Savings Goal Planner

Calculate the exact monthly savings required to reach any financial target.

Savings Goal

Current Savings

Target — 3 yrs

Interest Rate — 4.5%

Monthly Saving Required

—

Total Contributions

—

Interest Earned

—

Investment Growth Simulator

Three market scenarios with real-time line chart comparison.

Starting Capital

Monthly Investment

Bearish %

Moderate %

Bullish %

Horizon — 25 yrs

Total Contributed: —

Pension Calculator

Project your retirement fund and monthly income with employer contributions.

Current Age

Retirement Age

Current Pension Pot

Your Monthly Contribution

Employer Contribution

Growth Rate — 7%

Projected Pot

—

Annual Income

—

Monthly Income

—

Years to Retirement

—

4% annual drawdown assumed. State pension not included. Consult a pension adviser for personalised projections.

ISA Allowance Tracker

2024/25: £20,000 annual ISA allowance. LISA: £4,000 with 25% government bonus.

ISA Type

Invested This Year

Growth Rate

Years to Grow — 10 yrs

Allowance Used

—

Remaining

—

Gov. Bonus (LISA)

—

Projected Value

—

Net Worth Calculator

Add your assets and liabilities to calculate your total net worth.

Assets

Home Value

Savings / Cash

Pension Pot

ISA / Investments

Vehicle Value

Liabilities

Mortgage Balance

Personal Loans

Credit Cards

Student Loan

Net Worth

—

Total Assets

—

Total Liabilities

—

Asset / Debt Ratio

—

Mortgage Calculator

Monthly repayments, LTV, overpayment savings, and full amortisation schedule.

Property Value

Deposit

Interest Rate — 4.50%

Term — 25 yrs

Monthly Overpayment (optional)

Monthly Payment

—

Total Repaid

—

Total Interest

—

LTV Ratio

—

Period	Payment	Principal	Interest	Balance

Mortgage Comparison

Compare two mortgage deals including arrangement fees to find the truly cheaper option.

Deal A

Loan Amount

Interest Rate

Term (Years)

Arrangement Fee

Deal B

Loan Amount

Interest Rate

Term (Years)

Arrangement Fee

Stamp Duty (SDLT)

England & Northern Ireland — 2024/25 rates including first-time buyer relief.

England & Northern Ireland only. Scotland uses LBTT; Wales uses LTT — rates differ.

Purchase Price

Buyer Type

Stamp Duty Payable

—

Effective Rate

—

Total Cost

—

Loan Repayment

Monthly payments and full repayment schedule for any loan or finance agreement.

Loan Amount

Annual Interest Rate

Term — 48 months (4 yrs)

Monthly Payment

—

Total Repaid

—

Total Interest

—

Period	Payment	Principal	Interest	Balance

Buy-to-Let Yield Calculator

Calculate gross and net yield, cash-on-cash return, and monthly cashflow for any rental property.

Property Details

Purchase Price

Deposit

Monthly Rent

Mortgage Rate

Annual Costs

Management Fees

Maintenance

Insurance

Gross Yield

—

Net Yield

—

Monthly Cashflow

—

Cash-on-Cash Return

—

Section 24 mortgage interest relief restriction applies to higher-rate taxpayers. Stamp duty surcharge of 3% applies on additional properties. Consult a property tax specialist.

UK Income Tax

Take-home pay after income tax, NI, pension, and student loan — 2024/25 England rates.

Annual Gross Salary

Pension Contribution

Student Loan

Annual Take-Home

—

Monthly Take-Home

—

Income Tax

—

National Insurance

—

PAYE / NI Calculator

Full tax band breakdown with employee and employer NI. Supports all standard tax codes.

Annual Gross Salary

Tax Code

Pay Frequency

Pension Contribution

Net Pay (Per Period)

—

Annual Take-Home

—

Employee NI

—

Employer NI

—

Band	Income	Rate	Tax

Self-Employed Tax

Income tax and Class 4 NI for sole traders — 2024/25. Class 2 abolished.

Class 2 NI abolished 2024/25. Class 4: 6% on profits £12,570–£50,270 and 2% above.

Annual Net Profit

Other Employment Income

Pension Contributions

Net After Tax

—

Income Tax

—

Class 4 NI

—

Effective Tax Rate

—

Salary Sacrifice

See exactly how much tax and NI you save by sacrificing salary into your pension.

Annual Gross Salary

Monthly Sacrifice Amount

Existing Pension Contribution

Employer Passes NI Saving?

Monthly Cost to You

—

Monthly Pension Total

—

Annual Tax + NI Saved

—

New Monthly Take-Home

—

Dividend Tax Calculator

Calculate dividend tax on company dividends — 2024/25 rates. £500 dividend allowance.

2024/25: Dividend allowance reduced to £500. Rates: Basic 8.75%, Higher 33.75%, Additional 39.35%.

Annual Salary / Other Income

Annual Dividend Income

Dividend Tax

—

Net Dividends

—

Effective Rate

—

Total Income

—

Band	Dividends	Rate	Tax

Dividend allowance of £500 applied. Income tax on salary calculated separately. Corporation tax on company profits not included here.

Corporation Tax Calculator

UK corporation tax for limited companies — 2024/25 marginal relief rates.

2024/25: Small profits rate 19% (under £50k). Main rate 25% (over £250k). Marginal relief between £50k–£250k.

Annual Taxable Profits

Associated Companies

Corporation Tax

—

Effective Rate

—

Profit After Tax

—

Rate Band

—

VAT Calculator

Add or remove VAT instantly. Standard 20%, reduced 5%, zero, or custom rate.

Amount

VAT Rate

Mode

Ex-VAT

—

VAT Amount

—

Inc-VAT

—

Capital Gains Tax

Post-Oct 2024 Budget: 18% basic rate, 24% higher rate. Annual exempt: £3,000.

Purchase Price

Sale Price

Allowable Costs

Capital Losses

Annual Income

Other Capital Gains

Total Gain

—

Taxable Gain

—

CGT Payable

—

Effective Rate

—

Component	Amount

£3,000 annual exempt applied. 18%/24% rates post-October 2024 Budget. Consult a tax adviser for complex situations.

Inheritance Tax

NRB £325k + RNRB £175k. IHT at 40% above threshold — 2024/25.

Total Estate Value

Debts & Liabilities

Gifts in Last 7 Years

Charitable Gifts

Include Residence NRB?

Spouse Transferring Unused NRB?

Net Estate

—

IHT Threshold

—

IHT Payable (40%)

—

Estate After IHT

—

Business/agricultural relief and trusts not included. Consult a qualified estate planning adviser.

ROI Calculator

Total return, net profit/loss, and annualised CAGR for any investment.

Initial Investment

Final / Current Value

Additional Income / Dividends

Holding Period (Years)

Total ROI

—

Net Profit / Loss

—

Annualised CAGR

—

Inflation Calculator

Real purchasing power of money over time — what £X today will be worth in future.

Amount Today

Annual Inflation Rate

Time Period — 10 yrs

Future Equivalent

—

Purchasing Power Lost

—

Real Value Today's £

—

Break-Even Analysis

Units and revenue needed to cover all costs — with target profit option.

Total Fixed Costs

Selling Price (Per Unit)

Variable Cost (Per Unit)

Target Profit (Optional)

Break-Even Units

—

Break-Even Revenue

—

Contribution Margin

—

Units for Target Profit

—