Know the real number before you decide.
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.
Most popular
Your pay & tax
Take-Home Pay
Income tax, NI, pension and student loan. England to Scotland.
LIVEBonus Tax
How much of your bonus you actually keep.
LIVESalary Sacrifice
The NI saving most people leave on the table.
LIVEPension Tax Relief
What HMRC owes you back, the bit that isn't automatic.
LIVESelf-Employed Tax
Income tax and Class 4 NI, with payments on account.
LIVEMarriage Allowance
The £252 a year most eligible couples never claim.
LIVEChild Benefit
What you get, and what the £60k charge takes back.
LIVERedundancy Pay
Your legal minimum payout, and the £30k tax-free rule.
LIVEStudent Loan
What you'll really repay, and what gets written off.
LIVESalary / Wage Converter
Any wage as hourly, daily, weekly, monthly or yearly.
LIVEDividend Tax
Tax on dividends at 10.75%, 35.75% and 39.35%, after the £500 allowance.
Saving & investing
Compound Growth
What your ISA or pension could be worth.
LIVEISA vs SIPP
Same money in, which leaves you more after tax.
LIVELifetime ISA Bonus
The 25% top-up, up to £1,000 a year free.
INTERACTIVENet Worth Calculator
Assets minus debts, saved in your browser.
LIVEPremium Bonds
What a typical holder wins, your odds, and every prize.
LIVECapital Gains Tax
CGT on shares or property after the £3,000 allowance.
LIVESavings Interest
Interest and final balance on your cash savings, plus the ISA rules.
LIVEEmergency Fund
How big your safety net should be, and how long to build it.
Buying a home
Mortgage Calculator
Monthly repayment, total interest and overpaying.
LIVEHow Much Can I Borrow?
Your mortgage from income and deposit, plus the property price.
LIVEStamp Duty (SDLT)
England & NI, with FTB relief and the surcharge.
LIVERent vs Buy
The dead money in renting vs owning, and the equity you build.
Retirement
The Retirement Number
How much you actually need to retire.
LIVEAm I On Track?
How your savings compare for your age.
LIVEWill My Money Last?
How long your pot lasts and the age it runs dry.
LIVEState Pension Forecast
What you're on track to get, and the gap to the full amount.
LIVEInheritance Tax
What your estate would owe, and the £1m a couple can pass on.
Key numbers & reference
Guides All guides, by life stage →
Autumn Budget 2026 Tracker
What's decided, what's rumour, and what each means for you.
GUIDEHow Much Tax Will I Pay?
Income tax and NI on your salary, with a worked example.
GUIDEHow Much to Retire?
The rule of 25 and the State Pension's hidden value.
GUIDECapital Gains Tax Explained
The £3,000 allowance, 18% and 24%, and how to cut it.
GUIDEPay Off Your Student Loan?
Why overpaying usually costs you money, not saves it.
GUIDEPension Tax Relief
The 20% that's automatic, and the bit you must claim.
GUIDESelf-Employed Tax Rates
The two taxes on your profit, and the January bill.
GUIDEIs the Lifetime ISA Being Scrapped?
What is confirmed, what isn't, and what it means if you hold one.
GUIDEAre Premium Bonds Worth It?
What they really pay, and the two cases where they win.
GUIDEISA vs SIPP
Which leaves you better off, and when each one wins.
GUIDEShould You Overpay Your Mortgage?
What overpaying saves, and overpay vs invest.
GUIDEHow Much Can I Borrow?
The income-multiple rule and your property budget.
GUIDEHow Are Dividends Taxed?
The £500 allowance, the rates, and how to pay less.
GUIDEHow Much Emergency Fund?
The 3 to 6 month rule, and where to keep it.
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What The Base Rate does
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.
Why you can trust the numbers
Every assumption is shown
Each calculator lists the exact rates and thresholds it used, so you can check the working instead of trusting a black box.
Honest about the limits
Every calculator carries a "what this does not model" section, so you know where the number stops being reliable.
Built on published figures
HMRC, gov.uk, Bank of England and ONS figures for 2026/27, dated on the page and re-checked against the source.
Nothing you type is stored
Every calculation runs in your browser and your figures never reach a server. No sign-up needed for any tool; the newsletter is optional.
Popular questions
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Which calculator should I start with?
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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.