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UK personal finance tools · 2026/27 tax year
FinanceTool provides clear UK calculators for salary, PAYE, National Insurance, mortgages, Stamp Duty, pensions, student loans, and savings. Estimates are updated for the 2026/27 tax year.
Start with the decision you need to make and find the relevant UK calculators and guidance.
Fast entry points for common UK scenarios.
Take-home estimate for 2026/27.
Estimate PAYE deductions and net pay.
Model bonus tax under PAYE scenarios.
Estimate potential PAYE overpayment refunds.
Estimate repayments by plan and income.
Borrowing power and monthly payments.
Estimate Stamp Duty for a purchase price.
Estimate interest earned and tax impact.
Consolidation scenarios and debt service ratio.
Guides from our reviewed library to help you understand the rules behind each estimate.
Understand UK workplace pension auto-enrolment, eligibility, qualifying earnings, minimum contributions, opting out, re-enrolment and salary sacrifice.
10 min read PensionsLearn how to frame a UK retirement-income gap and interpret contribution, State Pension, inflation and return scenarios without mistaking them for a forecast.
11 min read Personal TaxUK tax breaks for couples in 2026/27: Marriage Allowance, CGT-free spousal transfers, IHT exemption, pension death benefits and income shifting.
10 min readShort guides that help you interpret results.
Keep, review, and export your estimates.
Reports and exports in one place.
Salary distributions and breakdowns.
Download your saved inputs as CSV.
Recent UK tax changes and practical finance insights.
These GOV.UK and MoneyHelper sources support the tax, savings, pension, mortgage, student-loan, SDLT and homeworking explanations used on this page. Calculator outputs remain estimates based on the selected assumptions.