SMALL CALCULATIONS. CLEARER DECISIONS.

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From your next payslip to your next big plan.
Practical tools that turn figures into answers.

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THE NUMBERS, MADE SIMPLE

A clearer view
of the total.

Price before VAT£100.00
VAT at 20%+ £20.00
Total including VAT£120.00

Illustrative example · standard-rate VAT

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Every figure has a reason.See the breakdown, not just the total.
UK & international toolsTransparent calculationsSources you can checkNo sign-up needed

YOUR NUMBERS. YOUR NEXT STEP.

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72 useful tools

72 calculators found

Work & benefits

Take-home pay calculator

Estimate 2026/27 UK take-home pay with Scottish Income Tax, pensions, National Insurance and student loans.

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Work & benefits

National Insurance calculator

Calculate employee and employer Class 1 NI or annual self-employed Class 4 and voluntary Class 2 for 2026/27.

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Work & benefits

Umbrella take-home pay calculator

Estimate umbrella assignment income, employer costs, gross salary and annual take-home pay under 2026/27 UK rules.

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Work & benefits

Universal Credit calculator

Estimate a 2026/27 monthly Universal Credit award with child, housing, health and caring elements, earnings, capital and benefit cap.

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Work & benefits

Holiday pay calculator

Estimate holiday pay under Great Britain, Northern Ireland or Russian calendar-day rules, including pay-history averages and the Russian 29.3 divisor.

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Tax & duties

R&D tax relief calculator

Calculate merged RDEC payment steps or an ERIS loss surrender, including PAYE caps, notional tax and HMRC offsets.

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Tax & duties

VAT calculator

Add or remove VAT using UK rates, Russian 2026 rates or a custom percentage, with a net, VAT and gross breakdown in the selected currency.

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Tax & duties

TOMS VAT calculator

Estimate annual or provisional UK Tour Operators’ Margin Scheme VAT for bought-in travel, including UK and overseas cost allocation.

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Loans & finance

Loan and mortgage repayment calculator

Estimate fixed monthly loan or mortgage repayments, total interest and an amortisation schedule using your contractual rate.

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Loans & finance

PCP car finance calculator

Estimate PCP monthly payments, financed balance, balloon payment and total cost to own, with explicit payment timing.

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Savings & investing

Savings and compound interest calculator

Project a savings balance from an initial amount and monthly contributions, with AER, contribution timing and inflation.

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Loans & finance

Mortgage and loan overpayment calculator

Compare repayment time and interest with a lump sum and regular overpayments, including charges you enter.

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Everyday money

Financial calculator: TVM solver

Solve present value, future value, payment, periods or the periodic rate using signed cash flows and end or beginning payments.

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Savings & investing

Retirement income and drawdown planner

Plan after-tax retirement income from multiple pension pots, State Pension, guaranteed pensions and savings, with annual withdrawals and shortfalls.

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Savings & investing

Average investment cost calculator

Calculate units, average purchase cost including fees and unrealised gain from equal or unequal investment purchases.

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Savings & investing

Black–Scholes option calculator

Estimate European call and put values using Black–Scholes–Merton, a continuous dividend yield and user-entered assumptions.

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Savings & investing

Position size and lot calculator

Size long share positions or FX lots from a chosen risk budget, stop distance, costs and GBP pip value.

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Savings & investing

Gann Square of Nine calculator

Generate a transparent Square of Nine price grid from a reference price, scale and angle convention, without live data.

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Savings & investing

Camarilla pivot calculator

Calculate Camarilla R1–R5 and S1–S5 levels from a completed session’s high, low and close, with a central pivot.

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Business costs

Leveraged buyout calculator

Model a simple leveraged buyout with entry equity, annual debt paydown, retained cash, exit value, MOIC and equity IRR.

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Business costs

Invoice factoring cost calculator

Estimate a single invoice’s advance, service charge, discount cost and settlement from the rates and fees in your quote.

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Home & study

Help to Buy funding and repayment calculator

Calculate a new Help to Buy Wales funding split or estimate the repayment of an existing England or Wales equity loan.

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Everyday money

Currency converter with ECB reference rates

Convert between 30 currencies using the dated ECB reference snapshot or a provider rate, including fees.

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Business costs

PayPal fee calculator

Estimate UK PayPal fees, net receipts or the amount to charge, with domestic, international and QR payment rates.

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Tax & duties

Import duty and VAT calculator

Estimate Great Britain parcel duty, VAT and landed cost using a verified commodity duty rate, with £135 and gift thresholds.

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Work & benefits

NHS bursary maintenance calculator

Calculate England NHS bursary maintenance, family and student contributions, dependants, childcare, part-time study, tuition and placement expenses.

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Business costs

Public involvement cost calculator

Budget research public involvement with contributor payments, travel, accessibility, venues, coordination and a contingency reserve.

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Business costs

Payroll cost and gross wage fund calculator

Calculate UK employer payroll costs or a gross wage fund, including Russian FOT: headcount, monthly wages, periods and bonuses, with explicit currency.

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Everyday money

Cash count calculator

Count sterling notes and coins, see each denomination subtotal and check the cash against your expected till balance.

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Everyday money

Cash change calculator

Calculate change or a payment shortfall in pounds and pence, with a suggested UK note and coin breakdown.

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Everyday money

Household budget calculator

Convert weekly, four-weekly and annual income, spending and savings into one monthly household budget.

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Everyday money

Adult child household contribution calculator

Compare a share of household costs with an agreed share of take-home pay, while preserving an amount chosen for personal needs.

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Everyday money

Journey fuel cost calculator

Estimate petrol or diesel journey cost from mileage, UK mpg or litres per 100 km, pump price and passenger count.

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Work & benefits

Work experience calculator

Count unique calendar days across employment periods, merge overlapping jobs and show gaps without double-counting experience.

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Home & study

Home contents inventory calculator

Value belongings room by room at replacement cost, compare your sum insured and identify individual items above your policy limit.

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Business costs

Reinsurance rate on line calculator

Calculate reinsurance premium as a percentage of layer limit, or solve the premium at a chosen rate on line.

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Everyday money

Discount and price comparison calculator

Find a sale price, compare two prices or recover an original price, including two discounts applied in sequence.

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Business costs

Product unit cost calculator

Cost a production batch from materials, labour, overhead, packaging and saleable output, with waste shown separately.

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Savings & investing

Return on investment calculator

Calculate investment profit, total ROI and an equivalent annualised return after purchase and sale costs.

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Business costs

Asset depreciation calculator

Build a straight-line or reducing-balance depreciation schedule with a residual-value floor and a partial first accounting period.

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Business costs

Abnormal process loss calculator

Separate normal process waste from abnormal loss or gain, including scrap recovery and the cost of good output.

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Business costs

Overhead absorption rate calculator

Set a budgeted overhead recovery rate, apply it to a job and compare absorbed overhead with actual expenditure.

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Business costs

Unit economics calculator

Work out contribution per sale after fulfilment and payment fees, then calculate period profit, break-even volume and a target-profit sales level.

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Everyday money

Bank and cheque book reconciliation calculator

Reconcile a bank statement with your cash book using outstanding deposits, unpresented cheques, charges and missing receipts.

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Business costs

CPM advertising calculator

Find cost per thousand impressions, campaign media cost or expected impressions, with additional fees shown separately.

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Home & study

Course tuition cost calculator

Total tuition by year, term or module from your actual fee quote, including compulsory extras and confirmed fee reductions.

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Home & study

Kitchen design cost and quoted-budget calculator

Calculate a configured kitchen from dimensions, front material, tall units, worktops, fittings and published supplier tariffs.

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Business costs

Accounting fees calculator

Build an annual accountancy budget from a quoted package, bookkeeping volume, payroll runs, extra filings, software and VAT.

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Business costs

Cloud storage cost calculator

Estimate Google storage, operations, retrieval, soft deletion, minimum duration and tiered network charges, or use your own provider rates.

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Savings & investing

Kameti savings circle calculator

Plan an equal-contribution kameti or ROSCA, including payout date, contributions still due and the complete cash-flow schedule.

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International calculators

United States Rule partial-payment calculator

Allocate dated partial payments to simple interest first, carry unpaid interest separately and see the remaining principal and balance.

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International calculators

Toichi ten-day interest calculator

Illustrate the cost of 10% interest per ten days, comparing simple and compounded balances with an explicit rule for partial periods.

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Loans & finance

Own New Rate Reducer comparison calculator

Compare an actual Own New Rate Reducer quote with a standard mortgage, including payments, fees, interest, remaining balance and reversion.

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International calculators

US High-3 pension calculator

Calculate military High-36, reserve-points, FERS and CSRS pensions from pay history, service, retirement age and survivor elections.

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International calculators

US alternative minimum tax calculator

Estimate 2026 US individual AMT from wages, investment income and ISO exercise facts, including preferential capital-gains rates.

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International calculators

US aggregate escrow adjustment calculator

Calculate the initial aggregate escrow adjustment with a 12-month disbursement schedule and a permitted reserve cushion.

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International calculators

Canada citizenship physical presence calculator

Count Canadian citizenship physical-presence days across a five-year window, with temporary-status half credit and travel absences.

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International calculators

New York IT-2104 allowances calculator

Work out 2026 New York withholding allowances for a supported one-job household, including credits, deductions and negative-allowance withholding.

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International calculators

US FUTA tax calculator

Estimate annual federal unemployment tax with a separate $7,000 wage cap for each employee and explicit state-credit treatment.

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International calculators

Ireland Local Property Tax calculator

Estimate Irish LPT using the 2026–2030 valuation bands, actual-value rates above €2.1 million and a confirmed local adjustment factor.

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International calculators

Georgia car customs calculator

Estimate Georgia car excise, import duty and entered clearance fees under the April 2026 rules, with age and steering adjustments.

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International calculators

Russia IIS contribution deduction calculator

Calculate IIS contribution refunds or project the portfolio, fees and closure tax for legacy type A/B and IIS-3 accounts.

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International calculators

Russia average payroll headcount calculator

Calculate monthly payroll headcount and wider workforce averages from calendar-day counts, part-time hours and contract person-days.

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International calculators

Russia sickness benefit calculator

Estimate 2026 Russian gross sick pay from 2024–2025 earnings, service, annual ceilings and calendar-month MROT floors.

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International calculators

Ukraine FOP tax calculator

Estimate 2026 FOP single tax, military levy and minimum own ESV for groups 1–3, including local rates and annual revenue limits.

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International calculators

Kazakhstan 7-20-25 mortgage calculator

Estimate a 7-20-25 mortgage with 7% nominal interest, a minimum 20% deposit, a 25-year limit and current regional property caps.

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International calculators

Ukraine eOselya mortgage calculator

Estimate eOselya payments at 3% then 6%, or 7% then 10%, including approved property value, deposit funding and the year-eleven payment.

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International calculators

Hungary Otthon Start 3% mortgage calculator

Estimate an Otthon Start 3% mortgage with the HUF 50m loan cap, 25-year term, property limits and minimum own funding.

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International calculators

Russia OSAGO KBM projection calculator

Project next-period OSAGO bonus-malus class and premium effect from an existing class and paid insurance events.

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International calculators

Texas basic title-insurance premium calculator

Calculate the official Texas basic title-insurance premium from a policy face amount using the March 2026 rate schedule.

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International calculators

Saudi Arabia Nitaqat band and workforce calculator

Estimate the Nitaqat band and required Saudi hires from the official activity curves, recalculating thresholds as the workforce grows.

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International calculators

Australia novated lease and salary-packaging calculator

Calculate a novated car lease, residual, GST, EV exemption or FBT/ECM, take-home pay and cost comparison; or plan charity salary packaging.

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CONFIDENCE COMES FROM CONTEXT

An answer you
can understand.

How our calculations work ↗
01

Know what is included

Each tool explains its scope, the period it covers and the assumptions behind the result.

02

Follow the numbers

See a useful breakdown and a worked example, with sources alongside the calculation.

03

Keep your figures to yourself

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