UK Financial Calculators £
By Chuck, MyFinanceAtlas — Updated October 2026
Every Finance Atlas calculator for the United Kingdom, in pounds sterling. Mortgages and stamp duty follow the current HMRC bands; take-home pay applies the latest income tax and National Insurance rules; savings tools ask you to enter the rate your provider actually quotes. All 19 tools are free, need no signup, and show their working.
Mortgages
Repayments, affordability, overpayments and the taxes on buying.
UK Mortgage Calculator
Monthly repayment, total interest and a year-by-year amortisation schedule — with overpayment savings and the LTV band your deposit lands in.
Open the calculator →Mortgage Affordability Calculator
How much a lender could advance, worked from your income multiples and monthly commitments.
Open the calculator →Mortgage Overpayment Calculator
What a monthly or lump-sum overpayment saves in interest, and how many years it cuts off the term.
Open the calculator →Remortgage Calculator
Compare your current deal with a new rate — including fees — and see the monthly and lifetime difference.
Open the calculator →Stamp Duty Calculator
SDLT on a property purchase, including first-time buyer relief and the additional-property surcharge.
Open the calculator →Loans & Debt
Personal loans, repayment costs and getting out of debt faster.
Personal Loan Calculator
Monthly instalment, total interest and APR cost of an unsecured personal loan.
Open the calculator →Loan Affordability Calculator
How much you could borrow based on what you can realistically repay each month.
Open the calculator →Debt Consolidation Calculator
Combine existing balances into one loan and see the monthly saving versus the total cost.
Open the calculator →Early Loan Repayment Calculator
Settle a loan early under the Consumer Credit Act and see the interest you save.
Open the calculator →Credit Card Minimum Payment Calculator
How long minimum payments take to clear a balance — and what a fixed extra payment saves.
Open the calculator →Student Loan Calculator
Plan 2 repayments from your salary above the repayment threshold, with the write-off timeline.
Open the calculator →Savings & Investments
ISAs, pensions and compounding.
Savings Goal Calculator
The monthly amount needed to reach a target by your deadline, at the rate you enter.
Open the calculator →Compound Interest Calculator
Growth of a lump sum with regular deposits, at your chosen compounding frequency.
Open the calculator →ISA Calculator
Tax-free growth inside your ISA annual allowance at the rate you enter.
Open the calculator →LISA Calculator
Lifetime ISA saving with the 25% government bonus applied to your contributions.
Open the calculator →Pension Calculator
Projected pension pot from current savings, contributions and years to retirement.
Open the calculator →Income, Tax & Budgeting
What lands in your account, and where it goes.
Take-Home Pay Calculator
Net salary after income tax, National Insurance and student loan deductions, for any tax year.
Open the calculator →Budget Calculator
A 50/30/20 view of your income that shows where the money actually goes.
Open the calculator →Inheritance Tax Calculator
IHT on an estate after the nil-rate band and residence nil-rate band.
Open the calculator →Frequently Asked Questions
Which UK mortgage calculator should I start with?
Start with the Mortgage Calculator for the monthly repayment and amortisation schedule, then use the Mortgage Affordability Calculator to check how much a lender could advance. If you already own a home, the Overpayment and Remortgage calculators show what an accelerated plan or a new deal saves.
Do the savings calculators include ISA and pension rules?
Yes. The ISA Calculator works within the annual allowance, the LISA Calculator applies the 25% government bonus, and the Pension Calculator projects your pot with tax-relieved contributions. All three let you enter your own growth assumptions rather than guessing a market return.
How many UK calculators are there?
Nineteen. Five mortgage tools (repayment, affordability, overpayment, remortgage and stamp duty), six loan and debt tools, five savings and investment tools, and three income, tax and budgeting tools.
Do the UK calculators use the current Bank of England base rate?
Mortgage and loan calculators use representative example rates that you can edit, with the Bank of England base rate and common fixed-rate ranges shown as verified context. Savings tools ask you to enter the rate your bank or building society quotes.
Are the UK tax calculators official?
No. The stamp duty, inheritance tax and take-home pay calculators apply the published HMRC and HM Treasury rules (bands, allowances and National Insurance categories) to the figures you enter. They are educational estimates, not an official HMRC determination.