All free UK calculators & tools
25 private, client-side tools for UK money maths and everyday tasks — mortgage and stamp duty, take-home pay and National Insurance, loans, fuel cost, plus a handful of browser utilities. No signup. No database of your inputs.
This directory is built for people who want a clear estimate before they speak to a lender, payroll team or solicitor — not a lead form dressed up as a calculator. Start with Finance & Money if you are budgeting a house move or a payslip; use Everyday Utilities for quick unit and percentage checks. Figures are guidance only.
Prefer a written explainer first? The UK money guides walk through the same maths as the calculators — for example how mortgage payments are calculated, how take-home pay is built, and how stamp duty is sliced.
Finance & Money
Mortgages, tax, stamp duty and money calculators for the UK.
Finance & Money is the core of Free UK Tools: mortgage repayments, stamp duty by nation, take-home pay, National Insurance, Inheritance Tax, VAT, student loans and statutory redundancy. Each calculator is sized for a real UK decision — comparing a fixed deal, checking a payslip, or sketching an estate — and runs entirely in your browser.
How to choose: open the mortgage calculator with a quote rate and term; pair it with stamp duty and the Council Tax band helper for upfront housing cost. For salary questions, start with take-home pay, then National Insurance or student loan if those lines appear on your payslip.
Want the longer explainers? Read how UK mortgage payments are calculated, how Inheritance Tax thresholds work, how UK VAT is added and stripped, and how National Insurance is calculated. Rates change — confirm important decisions with HMRC, a lender or a qualified adviser.
- UK Mortgage CalculatorEstimate monthly mortgage repayments from loan amount, rate and term.
- UK Stamp Duty CalculatorCalculate SDLT, LBTT and LTT for England, NI, Scotland and Wales.
- UK Inheritance Tax CalculatorRough UK IHT estimate from estate value, nil-rate band, residence band and spouse gifts.
- UK Capital Gains Tax CalculatorEstimate 2026/27 CGT from a disposal, the £3,000 allowance and 18%/24% rates.
- UK Council Tax Band HelperEstimate Council Tax band from 1991/2003 values and bill from Band D.
- UK Income Tax / Take-home Pay CalculatorEstimate income tax, National Insurance and take-home pay (UK).
- UK National Insurance CalculatorEstimate employee, employer and self-employed National Insurance from earnings.
- UK Salary Sacrifice / Pension Take-home CalculatorCompare take-home pay with pension salary sacrifice vs no sacrifice.
- UK Redundancy Pay CalculatorEstimate statutory redundancy pay from age, service and weekly pay (2026 caps).
- UK VAT CalculatorAdd or remove UK VAT at 20%, 5% or 0% — net, VAT and gross.
- UK VED / Car Tax CalculatorEstimate UK vehicle tax from first registration date, CO₂, fuel type and list price.
- Compound Interest / Savings CalculatorProject savings growth with compound interest and monthly contributions.
- UK Student Loan Repayment CalculatorEstimate Plan 1, 2, 4, 5 and postgraduate loan deductions from income.
- Credit Card Payoff CalculatorSee how long to clear a card balance and total interest at a fixed payment.
- Inflation & Real Return CalculatorSee how inflation erodes cash and what a return is worth in today’s money.
- Loan Repayment CalculatorEstimate monthly payments for personal loans and car finance, plus months and interest saved if you overpay.
Everyday Utilities
Percentage, units, text tools and day-to-day helpers.
- Percentage CalculatorWork out percentages, increases, decreases and “what percent of”.
- Unit ConverterConvert length, weight, temperature and volume units instantly.
- Text Case Converter & Word CounterChange text case and count words, characters and sentences.
- UK Fuel Cost CalculatorEstimate petrol or diesel cost from miles, MPG or L/100km and price per litre.
- UK Working Days CalculatorCount working days between two dates with England & Wales bank holidays.
Health & Fitness
Simple health metrics and wellness calculators.
Developer Tools
JSON, Base64, regex and other utilities for developers.
Why use free UK calculators online?
Most visits here are for a single practical question: what would this mortgage cost each month, how much stamp duty sits on this price, what does a salary look like after tax and NI, or how long will a credit-card balance take to clear. Jump links above group every tool by topic so you are not hunting through an alphabetised dump of widgets.
Every money calculator ships with worked examples, how-to steps and FAQs so the estimate is readable without running the form. Matching guides explain the same formulae in prose — useful when you want to understand a payslip line or a solicitor's quote before you trust a single number.
Finance figures are guidance only, not advice. Tax bands, NI thresholds and stamp duty rules change — confirm important decisions with HMRC, a lender, solicitor or qualified adviser. Browser utilities process data only on your device; we do not keep a copy of what you type.