Smart UK Calculators & Generators
Free tools for tax, property, business, and more — built for the UK
Used by UK contractors, homeowners, and business owners
Browse by Category
Tax & Salary
Take-home pay, IR35, pensions, and employment tax calculators for UK workers and contractors.
33 live / 33 tools
🏠Property & Construction
Construction costs, planning permission, snagging lists, and party wall tools for homeowners and builders.
33 live / 33 tools
💰Personal Finance
Rent vs buy, shared ownership, energy costs, and budgeting tools for everyday UK finances.
16 live / 16 tools
💼Business & SME
Invoicing, hiring, compliance, and operations tools for small and medium UK businesses.
24 live / 24 tools
🎓Education & Students
School catchment, childcare costs, and graduate career tools for students and parents.
5 live / 5 tools
📈Trading & Productivity
Trading day calculators, planning tools, and productivity utilities for UK professionals.
2 live / 2 tools
🛒E-Commerce
Profit calculators, FBA fees, and multi-channel margin tools for online sellers.
4 live / 4 tools
⚕️Healthcare
NHS vs private cost comparisons, waiting times, and practice setup estimators.
4 live / 4 tools
⚖️Legal & Compliance
Tribunal estimators, contract summarisers, and compliance tools for UK law.
5 live / 5 tools
🌍International
Expat salary comparisons, visa salary checkers, and overseas business setup guides.
4 live / 4 tools
Most Popular
Party Wall Letter Generator
Generate a legally formatted Party Wall Act notice letter with AI, ready to serve on your neighbour.
UK Take-Home Pay Calculator Pro
Calculate your exact take-home pay after tax, NI, student loan, and pension deductions for 2025/26.
Snagging List Generator
Create a professional snagging list for your new build with room-by-room checklists and photo placeholders.
UK Redundancy Pay Calculator
Calculate your statutory redundancy pay based on age, length of service, and weekly pay for 2025/26.
UK Trading Days Calculator
Calculate working days between dates, excluding UK bank holidays. Supports custom non-working days.
Building Regs Checklist Generator
Generate a building regulations compliance checklist tailored to your project type using AI.
Tax & Salary
UK Take-Home Pay Calculator Pro
Calculate your exact take-home pay after tax, NI, student loan, and pension deductions for 2025/26.
UK Limited Company Health Dashboard
Monitor your limited company finances: corporation tax, dividends, retained profit, and director salary optimisation.
IR35 Contract Rate Calculator
Compare inside vs outside IR35 take-home pay and find the break-even contract rate for your situation.
Freelance Day Rate Converter
Convert between annual salary, day rate, and hourly rate. Includes tax estimates and PDF export.
UK Redundancy Pay Calculator
Calculate your statutory redundancy pay based on age, length of service, and weekly pay for 2025/26.
Maternity/Paternity Pay Calculator
Work out your statutory maternity or paternity pay week by week, including shared parental leave options.
Pension Gap Calculator
Find out how much you need to save to retire comfortably. Models state pension, workplace, and private pensions.
Student Loan Repayment Modeller
Model your student loan repayments across Plan 1, 2, 4, and 5. See when you will pay off or have it written off.
Company Car vs Car Allowance
Compare the true cost of a company car against a car allowance, including BIK tax and fuel benefit.
Apprenticeship Levy Calculator
Calculate your apprenticeship levy liability based on total payroll and see how to spend your digital account.
Pension Auto-Enrolment Checker
Check auto-enrolment eligibility and calculate employer and employee pension contributions.
UK Holiday Pay Calculator
Calculate holiday entitlement, accrual, and pay for full-time, part-time and zero-hours workers.
UK Dividend Tax Calculator
Calculate dividend tax with personal allowance tapering, band breakdowns, and salary comparison.
Self-Assessment Tax Estimator
Estimate your self-assessment tax bill including income tax, NI, and payments on account.
Capital Gains Tax Calculator
Calculate CGT on property, shares, crypto, and business assets with relief analysis.
Inheritance Tax Calculator
Estimate IHT with nil-rate bands, gift taper relief, and BPR/APR analysis.
Crypto Tax Calculator
Calculate UK crypto tax using Section 104 pool, same-day and 30-day rules.
P11D Benefits Calculator
Calculate benefit-in-kind tax on company car, medical, gym, loans, and more.
Directors Loan Account Calculator
Calculate S455 tax, BIK charges, and repayment timelines for directors loans.
CIS Tax Deduction Calculator
Calculate CIS deductions for registered (20%) and unregistered (30%) subcontractors.
HMRC Mileage Claim Calculator
Calculate your HMRC mileage allowance at 45p per mile and tax relief.
Working From Home Tax Relief
Calculate WFH tax relief — flat rate £6/week or actual costs method.
Marriage Allowance Calculator
Check if you can transfer part of your Personal Allowance to your spouse or civil partner and how much tax you could save.
Overtime Tax Calculator
See exactly how much of your overtime pay you keep after income tax, National Insurance, and student loan deductions.
Tax Code Checker
Decode your HMRC tax code and verify whether your Personal Allowance and deductions are correct for the current tax year.
Payslip Checker
Verify your payslip is correct by checking tax, NI, pension deductions, and student loan against HMRC rates.
Employer NI Calculator
Calculate employer National Insurance contributions per employee including the Employment Allowance and thresholds.
Side Hustle Tax Calculator
Estimate the tax on your side income including the trading allowance, self-assessment thresholds, and Class 2/4 NI.
Tax Refund Checker
Check if you're owed a tax refund from HMRC for work expenses and overpaid tax.
Child Benefit Tax Calculator
Calculate Child Benefit and the High Income Child Benefit Charge (HICBC).
National Insurance Calculator
Calculate National Insurance contributions for employed, self-employed, and directors.
Pension Tax Relief Calculator
Calculate pension tax relief including higher rate claims via Self-Assessment.
Salary Sacrifice EV Calculator
Calculate savings from salary sacrifice electric car schemes with 2% BIK.
Property & Construction
Construction Cost Benchmarker
Benchmark construction costs per square metre for UK residential and commercial projects by region.
Planning Permission Checker
Check whether your home improvement project needs planning permission under permitted development rules.
Scaffold Cost Estimator
Estimate scaffolding hire costs for your project based on dimensions, duration, and access requirements.
Listed Building Checker
Check if a property is listed and understand what restrictions apply to alterations and extensions.
New Build Completion Planner
Plan your new build timeline from foundations to handover with estimated costs and key milestones.
Building Regs Checklist Generator
Generate a building regulations compliance checklist tailored to your project type using AI.
Snagging List Generator
Create a professional snagging list for your new build with room-by-room checklists and photo placeholders.
UK Business Rates Estimator
Estimate your business rates liability based on rateable value, location, and available reliefs.
Trade Insurance Benchmarker
Compare trade insurance quotes and see benchmark premiums for your trade, turnover, and employee count.
Party Wall Letter Generator
Generate a legally formatted Party Wall Act notice letter with AI, ready to serve on your neighbour.
UK Stamp Duty Calculator
Calculate SDLT, LTT, and LBTT with first-time buyer relief and additional property surcharges.
Help to Buy Equity Loan Calculator
Calculate your Help to Buy equity loan value, annual fees, and repayment costs.
Mortgage Affordability Calculator
Calculate how much mortgage you can afford based on income, debts, and deposit.
Landlord Profit Calculator
Calculate rental profit, yields, and Section 24 tax impact for UK landlords.
EPC Rating Estimator
Estimate your property EPC rating and get improvement recommendations.
SDLT Refund Checker
Check if you overpaid stamp duty and may be eligible for an SDLT refund.
Conveyancing Fee Estimator
Estimate solicitor fees, searches, and disbursements for property transactions.
Build-to-Rent Yield Calculator
Development appraisal for BTR — gross/net yield, GDV, profit on cost.
Mortgage Overpayment Calculator
See how lump-sum or regular overpayments reduce your mortgage term and total interest paid.
Remortgage Comparison Calculator
Compare your current mortgage deal against remortgage offers including fees, ERCs, and monthly savings.
Bricklaying Calculator
Calculate bricks, blocks, and mortar needed for walls. Covers stretcher, Flemish, and English bond patterns.
Concrete Calculator
Calculate concrete volume, pre-mix bags, ready-mix loads, and raw material quantities for slabs, footings, columns, and steps.
Council Tax Calculator
Calculate your council tax bill by band and local authority with discounts.
Boiler Replacement Cost Estimator
Estimate new boiler replacement costs including installation and BUS grant eligibility.
House Extension Cost Estimator
Estimate house extension costs per m² — single, two-storey, side, and wrap-around.
Loft Conversion Cost Estimator
Estimate loft conversion costs — Velux, dormer, hip-to-gable, and mansard.
Lease Extension Premium Calculator
Calculate lease extension premium with marriage value for flats under 80 years.
Kitchen Renovation Cost Estimator
Estimate kitchen renovation costs by size, quality, layout, and materials.
Bathroom Renovation Cost Estimator
Estimate bathroom renovation costs including wet rooms, tiling, and underfloor heating.
Driveway Cost Estimator
Estimate driveway costs per m² — gravel, tarmac, block paving, resin, and stone.
Roofing Cost Estimator
Estimate re-roofing costs — tiles, slate, flat felt, EPDM, and fascias.
Paint Calculator
Calculate how much paint you need for walls and ceilings with door and window deductions.
Tile Calculator
Calculate how many tiles, adhesive, and grout you need with wastage allowance.
Personal Finance
Rent vs Buy Calculator
Compare the long-term cost of renting versus buying a home in the UK, including stamp duty and mortgage costs.
Shared Ownership Calculator
Calculate your shared ownership costs including rent on the unsold share, service charges, and staircasing.
Benefits Entitlement Estimator
Check which UK benefits you may be entitled to based on your income, household, and circumstances.
Cost of Living City Comparator
Compare cost of living between UK cities including rent, transport, groceries, and council tax.
Solar Panel ROI Calculator
Calculate the return on investment for solar panels on your UK property based on location and roof size.
UK Home Energy Cost Reducer
Analyse your home energy usage and get personalised recommendations to cut your bills.
UK Car Running Cost Calculator
Calculate the total annual cost of running your car including fuel, insurance, tax, MOT, and depreciation.
Compound Interest Calculator
Model compound interest growth over time with monthly or annual contributions and variable interest rates.
Debt Repayment Planner
Compare snowball vs avalanche repayment strategies across multiple debts and see how extra payments accelerate payoff.
ISA Calculator
Model tax-free ISA growth across Cash ISA, Stocks and Shares ISA, and Lifetime ISA with annual allowance tracking.
Savings Goal Planner
Set a savings target and see exactly how much to put away each month, factoring in interest and inflation.
Budget Planner
Build a monthly budget with income and expense categories, track surplus, and export a detailed breakdown.
Loan Repayment Calculator
Calculate monthly loan repayments, total interest, and amortisation schedule.
Credit Card Payoff Calculator
Calculate how long to pay off your credit card and how much interest you'll pay.
Net Worth Calculator
Calculate your net worth — assets minus liabilities with UK average comparison.
UK Inflation Calculator
Calculate UK inflation and purchasing power from 1900 to 2026 using CPI data.
Business & SME
Carbon Footprint SME Tool
Estimate your small business carbon footprint and generate a simple sustainability report.
Job Salary Benchmarker
Benchmark UK salaries for any role by region, seniority, and sector using AI-powered analysis.
Invoice Chaser Email Generator
Generate professional payment reminder emails at every stage from gentle nudge to final demand.
UK Business Name Checker + Brand Pack
Check Companies House availability, domain names, and trademarks. Get a brand starter pack with AI.
Job Description Generator
Generate compliant, well-structured UK job descriptions using AI with salary benchmarks included.
AI Meeting Notes Converter
Paste raw meeting notes and get structured minutes with action items, decisions, and follow-ups.
Cold Email Sequence Generator (Trades)
Generate multi-step cold email sequences tailored for UK trade and construction businesses.
Staff Handbook Generator
Generate a comprehensive UK-compliant staff handbook with policies for your business size and sector.
GDPR Data Audit Checklist
Generate a GDPR compliance audit checklist for your business with AI-powered gap analysis.
Right to Work Document Checker
Verify right to work document types and generate compliant check records for your employees.
Franchise Cost Analyser
Analyse franchise opportunity costs including fees, fit-out, working capital, and projected break-even.
Lease Renewal Negotiation Pack
Generate a lease renewal negotiation pack with market rent comparisons and counter-offer templates.
Business Startup Cost Estimator
Estimate startup costs for UK businesses — retail, restaurant, trades, tech, and more.
Contractor Invoice Generator
Generate professional invoices with VAT, payment terms, and bank details.
VAT Return Estimator
Calculate VAT due and compare Standard vs Flat Rate schemes.
Employee Cost Calculator
Calculate the true cost of hiring including NI, pension, recruitment, and overheads.
Commercial Lease True Cost Calculator
Calculate total occupancy cost including rent, rates, service charge, and fit-out.
Profit Margin Calculator
Calculate gross, operating, and net profit margins from revenue and costs. Includes markup vs margin conversion.
Late Payment Interest Calculator
Calculate statutory late payment interest and compensation under the Late Payment of Commercial Debts Act.
Break-Even Calculator
Calculate your break-even point in units and revenue for products or services.
R&D Tax Credit Estimator
Estimate your R&D tax credit claim for staff, subcontractors, and consumables.
Cash Flow Forecast
12-month cash flow forecast with revenue, costs, and running balance.
Payroll Calculator
Calculate employer costs for multiple employees — tax, NI, pension, and total cost.
Company Valuation Calculator
Estimate your company value using revenue multiples, profit multiples, and net assets.
Education & Students
UK School Catchment Checker
Check school catchment areas and see historical admission distances for primary and secondary schools.
Childcare Cost Calculator
Calculate your childcare costs after free hours, tax-free childcare, and Universal Credit support.
Graduate Salary Negotiation Pack
Get an AI-generated salary negotiation pack with market data, scripts, and counter-offer templates.
UCAS Tariff Points Calculator
Calculate your UCAS tariff points from A-Levels, BTECs, T-Levels and more.
Student Budget Planner
Plan your university budget with maintenance loan, accommodation, and living costs.
E-Commerce
E-Commerce Profit Calculator
Calculate true profit per product after fees, shipping, returns, VAT, and advertising costs.
Amazon FBA Fee Calculator
Calculate Amazon FBA fees including storage, fulfilment, referral, and long-term storage charges.
TikTok vs Amazon vs Shopify Margin
Compare profit margins across TikTok Shop, Amazon, and Shopify for your products side by side.
Product Launch Checklist Generator
Generate a step-by-step product launch checklist customised for your platform and product type.
Healthcare
NHS vs Private Cost Comparison
Compare NHS and private healthcare costs for common procedures, treatments, and consultations.
NHS Waiting Time Estimator
Estimate current NHS waiting times by trust and specialty to help plan your treatment options.
GP Practice Setup Cost Estimator
Estimate the costs of setting up a GP practice including premises, equipment, staffing, and CQC registration.
NHS Dental Cost Calculator
Calculate NHS dental treatment costs — Band 1, 2, 3 charges and exemption checker.
Legal & Compliance
Employment Tribunal Estimator
Estimate potential employment tribunal award ranges based on claim type, salary, and length of service.
Supplier Contract Summariser
Upload a supplier contract and get an AI-generated summary of key terms, risks, and obligations.
UK Redundancy Rights Guide
Know your statutory redundancy rights, consultation requirements, and unfair dismissal indicators.
IR35 Status Letter Generator
Generate an IR35 Status Determination Statement with AI-powered legal analysis.
Settlement Agreement Calculator
Calculate expected settlement agreement value including redundancy, notice, and ex-gratia.
International
Expat Salary Comparator (UK vs SEA)
Compare your UK salary to equivalent purchasing power in Southeast Asian countries.
UK Skilled Worker Visa Salary Checker
Check minimum salary thresholds for UK Skilled Worker visas by occupation code and sponsorship route.
SEA Business Setup Guide
Get an AI-generated guide to setting up a business in Thailand, Malaysia, Philippines, or Vietnam.
Subcontractor Tender Pack Builder
Build a professional tender response pack for subcontractor bids with AI-generated method statements.