Free calculators for budgeting, tax, borrowing, saving and running a small business, with a plain-English guide to using them well.
Money decisions are easier when you can see the numbers. This guide walks through the five areas most people need help with: budgeting and saving, tax and take-home pay, borrowing, investing for later life, and running a small business. Each section links to free calculators that do the maths for you, in your browser, with nothing to sign up for.
Our calculators cover the UK, the US, Pakistan, India, Canada, Australia, Germany and the UAE. Rates change every year, so each tool shows the tax year it uses and links to the official source.
Pick the right calculator
| I want to… | Use this |
|---|---|
| Split my income into needs, wants and savings | 50/30/20 Budget Planner |
| Work out my take-home pay in the UK | UK Take-Home Pay Calculator |
| See how much a US paycheck pays after tax | US Paycheck Calculator |
| Check my salary tax in Pakistan or India | Pakistan Salary Tax · India Income Tax |
| Pay off a credit card faster | Credit Card Payoff Calculator |
| See what a mortgage will cost each month | Mortgage Calculator |
| Find out how much I could borrow for a home | Mortgage Affordability Calculator |
| Watch savings grow over time | Compound Interest Calculator |
| Plan for retirement | Retirement Calculator · UK Pension · 401(k) |
| Price my work or check a profit margin | Profit Margin Calculator · Salary to Hourly |
| Send a professional invoice | Invoice Generator |
A simple order of priorities
If you’re not sure where to start, this order works for most people. Each step makes the next one safer.
- Know your take-home pay and your essential costs. You can’t plan without these two numbers.
- Pay every bill and minimum repayment on time. Missed payments add fees and harm your credit record.
- Save a small buffer, such as one month of essentials, so a surprise bill doesn’t go on a credit card.
- Clear expensive debt, starting with the highest interest rate, usually credit cards and overdrafts.
- Grow the emergency fund to three to six months of essentials.
- Take any free money, such as an employer’s pension or 401(k) match.
- Invest for the long term and review once a year.
1. Budgeting and saving
A budget is simply a plan for where each pound, dollar or rupee goes before you spend it. The easiest starting point is the 50/30/20 rule: about half of your take-home pay for needs such as rent, bills and food, 30% for wants, and 20% for savings and paying off debt. It’s a rule of thumb, not a law, so adjust it to your costs. In a city with high rent, needs may take 60% or more at first.
Start with your real take-home pay, not your salary. Our budget planner shows where you are over or under each share and what to change.
Build an emergency fund first
Before investing, set aside money for surprises such as a broken boiler or a gap between jobs. Government-backed MoneyHelper suggests aiming for three to six months of essential outgoings, held in an easy-access savings account. If that feels a long way off, start with one month and build up. The savings goal calculator tells you how much to put away each month to hit a target by a set date.
Account for inflation
Money loses buying power over time. The UK inflation calculator shows what a past amount is worth today, which is useful when you compare pay rises, rents or savings rates.
2. Tax and take-home pay
Your take-home pay is what lands in your account after income tax and other deductions, such as National Insurance in the UK, Social Security and Medicare in the US, or EPF in India. Knowing it is the starting point for every other money decision.
United Kingdom
For the 2026/27 tax year, the standard Personal Allowance is £12,570. In England, Wales and Northern Ireland, income above that is taxed at 20% up to £50,270, 40% up to £125,140 and 45% above that. The allowance shrinks by £1 for every £2 of income over £100,000. Scotland sets its own bands.
- Employees: UK take-home pay calculator, National Insurance calculator and Scottish income tax calculator.
- Self-employed: the self-employed tax calculator works out income tax and Class 4 National Insurance on your profit.
- Life events: student loan repayments, Statutory Maternity Pay and Capital Gains Tax when you sell assets.
- Tax-free saving: you can put up to £20,000 a year into ISAs in 2026/27.
United States
The US paycheck calculator estimates federal tax, Social Security and Medicare on each pay cheque, and the federal income tax calculator shows your yearly bill and effective rate. If you buy health cover through the Marketplace, the ACA subsidy calculator estimates your premium tax credit.
Pakistan, India and other countries
- Pakistan: salary tax, property advance tax (236K and 236C) and electricity bills.
- India: old vs new regime income tax, HRA exemption, EPF and GST.
- Elsewhere: Canada, Australia, Germany and UAE VAT.
Tax rules change at least once a year. Each calculator names the tax year it uses and links to the tax authority, so check that before you rely on a result.
3. Borrowing: mortgages, loans and credit cards
When you compare loans, look at the total you’ll repay, not just the monthly payment. A longer term lowers each payment but usually means paying much more interest overall.
| Borrowing | What to check | Calculator |
|---|---|---|
| Mortgage | Monthly payment, total interest, and how a rate rise would change it | Mortgage · US mortgage (PITI) |
| How much you can borrow | Your income, deposit and outgoings, plus a stress test | Affordability |
| Buying costs in the UK | Stamp Duty Land Tax on the price | Stamp Duty |
| Car finance | Total cost of the deal, including any final balloon payment | Car finance |
| Personal loan or EMI | Monthly instalment and total interest | Loan / EMI |
| Credit cards | How long it takes to clear, and how much faster with a higher payment | Card payoff |
If you have several debts, paying off the one with the highest interest rate first usually saves the most money. If you’re struggling with repayments, free and confidential help is available from MoneyHelper and debt charities in the UK.
4. Investing and retirement
Once you have an emergency fund and no expensive debt, investing for the long term lets your money grow through compounding: you earn returns on your earlier returns. The compound interest calculator shows how much difference starting early and adding a little each month can make.
- UK pensions: the UK pension calculator projects your pot with employer contributions and tax relief.
- US 401(k): the 401(k) calculator includes your employer match and the yearly contribution limits.
- India: the SIP calculator projects a monthly mutual fund investment.
- Any country: the retirement calculator checks whether your savings are on track for the income you want.
Projections use the growth rate you enter, and real returns go up and down. Investments can fall as well as rise. A regulated financial adviser can help you decide what fits you.
Zakat on savings and gold is worked out separately: the Zakat calculator uses the current nisab.
5. Running a small business or freelancing
Pricing is where most small businesses lose money. Work out your costs first, then the margin you need.
- Know the difference between margin and markup. A 50% markup is only a 33% margin. The profit margin calculator and discount and markup calculator show both.
- Turning a salary into an hourly or day rate: salary to hourly.
- Quoting and getting paid: quote generator and invoice generator.
- Sales taxes: UK VAT, US sales tax, India GST and UAE VAT.
- Prices in other currencies: currency converter.
Selling online? Our marketing and e-commerce calculators cover marketplace fees, ad costs and break-even ROAS.
Everyday money
Smaller calculators for daily life: council tax bands, fuel cost of a journey, crypto profit after fees and discounts.
All finance calculators
- 401(k) CalculatorProject your 401(k) with employer match and 2026 IRS limits.
- 50/30/20 Budget PlannerSplit your take-home pay into needs, wants and savings, and track your spending.
- ACA Subsidy CalculatorEstimate your Marketplace premium tax credit for 2026 or 2027 from income and household size.
- Australia Income Tax CalculatorAustralian tax and take-home pay for 2026–27 with the new 15% rate and Medicare levy.
- Canada Income Tax Calculator2026 take-home pay by province with federal and provincial tax, CPP and EI.
- Car Finance CalculatorMonthly PCP or HP payments, the balloon, total payable and cost of credit.
- Compound Interest CalculatorSee how savings grow with monthly contributions, compounding and inflation.
- Council Tax Band CalculatorCouncil tax by band for England, Wales and Scotland, with monthly payments and discounts.
- Credit Card Payoff CalculatorHow long it takes to clear a card, the interest you pay, and how much paying more saves.
- Crypto Profit CalculatorProfit, ROI and break-even price after fees, with a UK tax estimate.
- Currency ConverterConvert between 25 currencies with daily mid-market rates.
- Discount and Markup CalculatorSale prices, double discounts, markup and margin in one place.
- Fuel Cost CalculatorWork out the fuel or charging cost of a journey in MPG, L/100 km or miles per kWh.
- Germany Gross to Net Salary CalculatorNet salary in Germany for 2026 after income tax and social contributions.
- India EPF CalculatorEPF balance at retirement with the 8.25% rate and the EPS split.
- India GST CalculatorAdd or remove GST with CGST, SGST and IGST split, including the 5%, 18% and 40% slabs.
- India HRA Exemption CalculatorWork out your HRA exemption under the old regime, including the new 50% cities.
- India Income Tax Calculator (Old vs New Regime)Compare old and new regime tax for FY 2026–27 with deductions, rebate and cess.
- India SIP CalculatorEstimate mutual fund SIP growth with an optional yearly step-up.
- Invoice GeneratorCreate an invoice with tax and discount, then print or save as PDF.
- Loan / EMI CalculatorWork out your monthly loan repayment, total interest and a year-by-year repayment schedule.
- Mortgage Affordability CalculatorSee how much you could borrow on your income, with repayments and a rate-rise test.
- Mortgage CalculatorWork out monthly mortgage payments, total interest, loan to value and the effect of overpaying.
- Pakistan Electricity Bill CalculatorEstimate your bill from units with 2026 slab rates and taxes.
- Pakistan Property Tax CalculatorWork out 236K buyer and 236C seller advance tax on a property deal for tax year 2027.
- Pakistan Salary Tax CalculatorTax on your salary for 2026–27 under the new Finance Act slabs, monthly and yearly.
- Profit Margin CalculatorGross margin and markup from cost and price, or the price for a target margin.
- Quote and Estimate GeneratorCreate a professional quote or estimate, then print or save as PDF.
- Retirement CalculatorSee if your savings are on track for the retirement income you want.
- Salary to Hourly CalculatorConvert a salary to hourly, daily, weekly and monthly pay, before and after UK tax.
- Savings Goal CalculatorHow much to save each month or week to reach a goal by a date, with interest.
- Scottish Income Tax CalculatorScottish Income Tax 2026/27 band by band, compared with the rest of the UK.
- UAE VAT CalculatorAdd or remove 5% UAE VAT from any amount in dirhams.
- UK Capital Gains Tax CalculatorCapital Gains Tax for 2026/27 with the £3,000 allowance and the 18% and 24% rates.
- UK Inflation CalculatorWhat a past amount of money is worth today, using ONS CPI data.
- UK National Insurance CalculatorEmployee, employer and self-employed National Insurance for 2026/27.
- UK Pension CalculatorProject your pension pot and retirement income in today’s money, with the State Pension.
- UK Self-Employed Tax CalculatorIncome Tax and Class 4 NI on self-employed profits for 2026/27.
- UK Stamp Duty CalculatorStamp Duty, LBTT and LTT for England, NI, Scotland and Wales, with first-time buyer and second-home rates.
- UK Statutory Maternity Pay CalculatorWork out your SMP for 39 weeks, with key dates, for 2026/27.
- UK Student Loan Repayment CalculatorMonthly repayments for Plans 1, 2, 4, 5 and postgraduate loans, and whether you will clear it.
- UK Take-Home Pay Calculator 2026/27Work out Income Tax, National Insurance, student loan and take-home pay for 2026/27, including Scotland.
- UK VAT CalculatorAdd or remove VAT at 20%, 5% or 0%, with net, VAT and gross amounts.
- US Federal Income Tax Calculator2026 federal income tax, bracket and effective rate by filing status.
- US Mortgage Calculator (PITI)Monthly mortgage payment with property tax, insurance, PMI and HOA, plus the income you need.
- US Paycheck Calculator 2026Estimate take-home pay per paycheck with 2026 federal tax, FICA, state tax and 401(k).
- US Sales Tax CalculatorAdd or remove sales tax for any US state, with 2026 rates.
- Zakat CalculatorZakat on gold, silver, cash and savings using today’s nisab.
Related guides
- Study abroad and visa tools: tuition, living costs and the money you need to show for a visa.
- UK take-home pay on common salaries
- Marketing and ads tools: ROAS, ad budgets and marketplace fees for selling online.
- Job search and CV tools: UK pay, holiday, notice and redundancy checks.
These calculators give estimates for general information. They aren’t financial, tax or legal advice. For decisions about your own money, speak to a regulated adviser or the relevant tax authority.
Frequently asked questions
Are these calculators free?
Yes. Every calculator is free, needs no sign-up and runs in your browser, so the numbers you enter aren’t sent anywhere.
Which tax year do the tax calculators use?
Each one says which tax year it uses, for example 2026/27 in the UK, and links to the official rates. They’re updated when new rates are announced.
How much should I keep in an emergency fund?
Government-backed MoneyHelper suggests three to six months of essential outgoings. Start with one month if that’s more realistic, then build up.
Is the 50/30/20 rule right for everyone?
No. It’s a starting point. If rent is high where you live, needs may take more than 50% at first. The aim is to save something every month.
Can I rely on these results for a mortgage or tax return?
Use them to plan and compare. For a mortgage offer or a tax return, rely on your lender, HMRC, the IRS or your local tax authority.
Sources
- GOV.UK: Income Tax rates and Personal Allowances
- GOV.UK: Individual Savings Accounts (ISAs)
- NS&I: How to build an emergency fund
- MoneyHelper: free, government-backed money guidance
- IRS: Internal Revenue Service
- Federal Board of Revenue, Pakistan
- Income Tax Department, India
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