Calculators, guides and the key UK numbers for every stage of money life: studying, employed, self-employed or retired. Every figure sourced and dated, every tool honest about what it leaves out.
Income tax, NI, pension and student loan. England to Scotland.
LIVEHow much of your bonus you actually keep.
LIVEThe NI saving most people leave on the table.
LIVEWhat HMRC owes you back, the bit that isn't automatic.
LIVEIncome tax and Class 4 NI, with payments on account.
LIVEThe £252 a year most eligible couples never claim.
LIVEWhat you get, and what the £60k charge takes back.
LIVEYour legal minimum payout, and the £30k tax-free rule.
LIVEWhat you'll really repay, and what gets written off.
LIVEAny wage as hourly, daily, weekly, monthly or yearly.
LIVETax on dividends at 10.75%, 35.75% and 39.35%, after the £500 allowance.
What your ISA or pension could be worth.
LIVESame money in, which leaves you more after tax.
LIVEThe 25% top-up, up to £1,000 a year free.
INTERACTIVEAssets minus debts, saved in your browser.
LIVEWhat a typical holder wins, your odds, and every prize.
LIVECGT on shares or property after the £3,000 allowance.
LIVEInterest and final balance on your cash savings, plus the ISA rules.
LIVEHow big your safety net should be, and how long to build it.
Monthly repayment, total interest and overpaying.
LIVEYour mortgage from income and deposit, plus the property price.
LIVEEngland & NI, with FTB relief and the surcharge.
LIVEThe dead money in renting vs owning, and the equity you build.
How much you actually need to retire.
LIVEHow your savings compare for your age.
LIVEHow long your pot lasts and the age it runs dry.
LIVEWhat you're on track to get, and the gap to the full amount.
LIVEWhat your estate would owe, and the £1m a couple can pass on.
Income tax and NI on your salary, with a worked example.
GUIDEThe rule of 25 and the State Pension's hidden value.
GUIDEThe £3,000 allowance, 18% and 24%, and how to cut it.
GUIDEWhy overpaying usually costs you money, not saves it.
GUIDEThe 20% that's automatic, and the bit you must claim.
GUIDEThe two taxes on your profit, and the January bill.
GUIDEWhat is confirmed, what isn't, and what it means if you hold one.
GUIDEWhat they really pay, and the two cases where they win.
GUIDEWhich leaves you better off, and when each one wins.
GUIDEWhat overpaying saves, and overpay vs invest.
GUIDEThe income-multiple rule and your property budget.
GUIDEThe £500 allowance, the rates, and how to pay less.
GUIDEThe 3 to 6 month rule, and where to keep it.
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The Base Rate is a free set of UK calculators, guides and reference numbers built around one idea: know the real number before you decide. Take-home pay, tax on a bonus or dividends, mortgage repayments, ISA and pension growth, and the pot you need to retire, for every stage of money life. Every tool is free and runs entirely in your browser.
The figures are for the 2026/27 tax year and come from primary sources: HMRC and gov.uk for tax, the Bank of England for the base rate, the ONS for inflation and the PLSA for retirement living standards. Each calculator shows its working, so you can see how the answer is built rather than trusting a black box.
There is no account to create and nothing you type leaves your device. The tools are illustrative and not financial advice, but they are honest about their assumptions, and the guides next to each one explain the rules in plain English.
Each calculator lists the exact rates and thresholds it used, so you can check the working instead of trusting a black box.
Every calculator carries a "what this does not model" section, so you know where the number stops being reliable.
HMRC, gov.uk, Bank of England and ONS figures for 2026/27, dated on the page and re-checked against the source.
Every calculation runs in your browser and your figures never reach a server. No sign-up needed for any tool; the newsletter is optional.
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Illustrative tools only, not financial advice. Your capital is at risk. Always do your own research or speak to a qualified adviser. Sources: HMRC, gov.uk, PLSA.