🇬🇧 Updated for 2026/27 Tax Year

Your money, clearly explained

Free UK finance calculators for salary, mortgage, savings, debt and more — always updated for the current HMRC tax year.

💼 Calculate your salary → 🏡 Mortgage calculator

100% free No signup required No data stored Updated for 2026/27

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Free calculators

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Cost to use

2026/27

Tax year coverage

100%

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Our calculators

Everything you need to understand your money

Eleven free tools covering the financial questions most UK adults face.

Salary Calculator

See your exact take-home pay after income tax, NI, pension and student loan. Supports all tax codes, Scottish rates and salary sacrifice.

Mortgage Calculator

Monthly repayments, total interest, LTV insights, overpayment savings and a full amortisation timeline.

Compound Interest

Watch your money grow over time. Model ISAs, pensions and savings accounts with monthly contributions and variable compounding.

Calculate how long to pay off credit cards and loans. See how extra payments save you thousands in interest.

How much do you need to save each month to hit your target? Model any goal — house deposit, emergency fund, holiday.

Real Hourly Wage

Your actual hourly rate after commuting time, unpaid overtime and work expenses. The number your employer doesn't show you.

Salary vs Inflation

Is your pay rise beating inflation? See your real purchasing power change and how fiscal drag is quietly reducing your take-home.

Assets minus liabilities — your complete financial picture. Track property, pensions, investments and debts in one place.

Calculate your exact SDLT bill for any property price. Covers first-time buyers, home movers and the additional property surcharge.

Project your Stocks & Shares or Cash ISA pot with tax-free compound growth, monthly contributions and a flexible time horizon.

Forecast your retirement pot with employer contributions, salary sacrifice tax relief and long-term investment growth.

Why CashCalcHub

Built for UK earners

🎯

Accuracy first

All calculations use current HMRC rates for 2026/27, including Scottish tax bands, NI thresholds and student loan plans.

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Privacy by default

Every calculation happens in your browser. We never see, store or transmit your financial data.

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No jargon

Clear explanations of every result, with tips on how to improve your position — not just numbers on a screen.

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Works everywhere

Fully responsive on mobile, tablet and desktop. No app to download, no account to create.

From the blog

UK finance guides

Practical articles paired with our calculators.

UK Take-Home Pay 2026/27 — What Changed

Every threshold, rate and change for the new tax year explained clearly.

The £100,000 Tax Trap Explained

How the personal allowance taper creates a 60% effective tax rate — and how to avoid it.

How Much Mortgage on a £40,000 Salary?

Income multiples, affordability checks and monthly repayment figures for 2026.

Is Your Salary Keeping Up With Inflation?

UK CPI at 3.4% in early 2026 — find out if your pay is really keeping pace.

View all articles →

Start with your salary

Enter your gross salary and see exactly where every pound goes — tax, NI, pension and take-home pay in seconds.

Calculate your take-home pay →