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01Investment calculatorProject a pot forward from a starting balance, regular contributions, a growth assumption and fees — with the conventions stated.02Compound interest calculatorWork out compound interest on a starting amount and regular deposits, with the deposits and the interest separated year by year.03Income tax calculatorWork out income tax on earnings, savings interest and dividends band by band, with the bands shown in gross income, the rate on your next pound, and the personal allowance taper priced.04Pension calculatorWork out what a pension pot grows to — in today’s money as well as in cash — what the tax relief on your contributions is actually worth, whether you and your employer are inside the annual allowance, and the tax on the way out.05Mortgage overpayment calculatorWork out what overpaying a mortgage saves in interest and how much sooner it clears, with the year-by-year schedule and a comparison against investing the same money.06Capital gains tax calculatorWork out capital gains tax with gains stacked on top of income, showing the annual exempt amount consumed.

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Investment calculatorProject a pot forward from a starting balance, regular contributions, a growth assumption and fees — with the conventions stated.Compound interest calculatorWork out compound interest on a starting amount and regular deposits, with the deposits and the interest separated year by year.Dividend calculatorWork out what a shareholding pays, per payment and per year, and what reinvesting compounds it to — with the income tax on it in the statutory stacking order.Investment fee calculatorWork out what platform fees and fund charges cost over the term, as a share of the pot you would otherwise have had — and how little of that ever shows on a statement.Dollar cost averaging calculatorCompare investing a sum all at once with dripping the same money in over time, and see plainly what a fixed-rate model can and cannot tell you about the difference.ETF calculatorProject an ETF holding with a dealing charge on every purchase — the cost that comes out of the money going in and therefore never compounds.Index fund calculatorWork out what an index fund leaves you after the gap between the index and the investor: dividends, the ongoing charge and tracking difference, composed as rates.S&P 500 calculatorProject a plan at a return you supply — this page will not invent one — and see what return you would have needed, what the dollar does to it, and how wide the spread of assumptions is.Dividend yield calculatorWork out trailing and forward dividend yield, dividend cover and the payout ratio — and see what the yield after income tax is, and how much of a high yield is a falling price.Bond yield calculatorWork out running yield and yield to maturity from a clean price and accrued interest, then the yield after tax — with the capital gains exemption that applies to gilts.Crypto profit calculatorWork out the profit on a cryptoasset disposal and the capital gains tax on it, stacked on your income — with the pooling rules that decide the cost stated rather than applied.

Dividend tax calculatorWork out dividend tax on salary plus dividends, band by band, in the statutory stacking order.Capital gains tax calculatorWork out capital gains tax with gains stacked on top of income, showing the annual exempt amount consumed.Capital gains tax on sharesWork out capital gains tax on a share disposal, stacked on your income — and see plainly that the share identification rules are not applied for you.Self-employed tax calculatorWork out income tax and Class 2 and Class 4 National Insurance on self-employed profits, and what is left after both.Corporation tax calculatorWork out corporation tax including marginal relief, and how associated companies move the thresholds.Salary and dividend calculatorCompare salary and dividend splits for a company director, with corporation tax and both National Insurances in the arithmetic.Scotland tax calculatorWork out income tax in Scotland on earnings, savings interest and dividends, alongside the same income taxed in the rest of the UK.Take home pay calculator ScotlandWork out take-home pay in Scotland from a gross salary, after Scottish income tax and UK-wide employee National Insurance.Income tax calculator ScotlandWork out Scottish income tax on earnings across all six bands, with the bands shown in gross income and the rate on the next pound.Salary sacrifice calculatorWork out what sacrificing part of your salary into a pension costs you in take-home pay, as a share of the money — with the employer’s National Insurance saving shown separately.National insurance calculatorWork out National Insurance on pay or profit — employee and employer Class 1 shown separately, with the total cost of the employment, plus Class 2 and Class 4.Income tax calculatorWork out income tax on earnings, savings interest and dividends band by band, with the bands shown in gross income, the rate on your next pound, and the personal allowance taper priced.Inheritance tax calculatorWork out inheritance tax on an estate, band by band — with the residence nil-rate band taper priced, gifts charged in date order, and the rate on the next pound shown separately.Second job tax calculatorWork out what a second job adds to your tax bill — both jobs taxed once as one income — what a BR code collects instead, and why National Insurance charged per employment makes the same pay cost a different amount.Personal savings allowance calculatorWork out which personal savings allowance applies at your income, how much of the starting rate for savings survives, what the unused part of the allowance would actually cost, and the pound of income that halves it.

Pension drawdown calculatorTake tax-free cash and draw an income from a pension pot: the income tax it costs stacked on your other income, and what the pot does over the term.Annuity calculatorEnter the annuity rate you have been quoted — this calculator does not quote rates — and see the tax-free cash, the income tax on the income stacked on everything else, and the same money as drawdown.Retirement calculatorRun both halves of a retirement plan — the years of paying in and the years of drawing an income — and work backwards from the income you want to what you would have to save.Pension calculatorWork out what a pension pot grows to — in today’s money as well as in cash — what the tax relief on your contributions is actually worth, whether you and your employer are inside the annual allowance, and the tax on the way out.FIRE calculatorWork out the pot your income needs and the year it arrives — with the withdrawal rate as your assumption, and the years between stopping work and reaching pension age priced separately.Coast FIRE calculatorWork out the pot you would need today to stop contributing entirely and still reach your target on compounding alone, and the year your own plan crosses that line.Pension tax relief calculatorWork out the tax relief on a pension contribution and how it reaches you — the part a provider adds at source, the part you have to claim yourself, and the personal allowance a contribution buys back.Pension contribution calculatorWork out what a contribution as a percentage of salary puts into your pension and what it costs you after relief, against the annual allowance, its taper and any unused allowance carried forward.SIPP calculatorWork out what SIPP contributions become once basic-rate relief is added and the pot is projected forward on your own assumption, and the tax-free share and income tax it meets at the other end.Pension carry forward calculatorWork out unused pension annual allowance carried forward from the three previous years, each at its own allowance, and the order a contribution uses them in.Pension lump sum calculatorWork out the tax on a pension lump sum — the tax-free share and the rest stacked on your other income — and what the same money taken over two tax years would cost instead.

Savings interest calculatorWork out a year of savings interest and the income tax on it, including the starting rate for savings, the personal savings allowance that applies at your income, and what the pound that halves it costs.Stocks and shares ISA calculatorProject a stocks and shares ISA forward and price the dividend tax and capital gains tax the wrapper avoids.ISA calculatorWork out how much of the annual ISA allowance is left, split across cash, stocks and shares, innovative finance and Lifetime ISAs.Junior ISA calculatorProject a Junior ISA to the day it matures, with the balance on the day the child takes control of the account as well — and a year of contributions checked against the child’s own allowance.Bed and ISASell shares in a general account and buy them back inside an ISA: the gain the sale crystallises under HMRC’s share identification rules, the tax on it, the dealing costs and stamp duty, and the same trade with the repurchase outside a wrapper.Emergency fund calculatorWork out how many months of essential spending your fund covers, what a shortfall would cost to borrow or to raise by selling investments, and the income tax on the interest when it is held outside an ISA.Lifetime ISA calculatorWork out the government bonus on a Lifetime ISA payment and what the withdrawal charge takes back — which is more than the bonus gave, because it is charged on the withdrawal rather than on the bonus — with the first home price cap and the three age limits tested against your own figures.

Mortgage overpayment calculatorWork out what overpaying a mortgage saves in interest and how much sooner it clears, with the year-by-year schedule and a comparison against investing the same money.Net worth calculatorAdd up what you own and subtract what you owe — then price the tax that has not been paid yet: income tax attached to a pension, capital gains tax attached to an unwrapped gain, and inheritance tax on the same estate.Rental yield calculatorWork out gross and net rental yield on one denominator, the return on the cash actually committed, and the income tax on the profit with the finance cost restriction applied.

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Your money,
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