Clarity for life's big decisions

Free, accurate UK calculator tools for salary, tax, mortgages, pensions and more. No sign-up. No ads. Just answers.

Tools

UK Salary Calculator

Calculate your take-home pay after tax, National Insurance, student loans and pension contributions. Supports England, Scotland and Wales tax bands.

Contractor vs PAYE

Compare take-home pay across PAYE, umbrella and limited company structures. See the real difference side by side.

Mortgage Affordability

Estimate how much you could borrow, monthly repayments, and total interest. Includes overpayment simulator.

Project your pension growth and estimate when you could retire. Includes inflation-adjusted forecasts and state pension estimates.

Stamp Duty Calculator

Calculate Stamp Duty Land Tax (SDLT), Land and Buildings Transaction Tax (LBTT) and Land Transaction Tax (LTT). Supports first-time buyers and additional properties.