Free finance calculators

Fast, private calculators that run entirely in your browser. Nothing you type is sent anywhere. Tax calculators use 2026 figures checked against GOV.UK and IRS.gov.

Tax and take-home pay

• UKUK take-home pay calculator 2026/27

  Work out your 2026/27 UK Income Tax, National Insurance and take-home pay for England, Wales, Northern Ireland or Scotland, using the rates published on GOV.UK.

• USUS federal income tax calculator (tax year 2026)

  Estimate 2026 US federal income tax for single, married filing jointly, married filing separately or head of household filers, using IRS brackets and standard deductions.

Debt and credit cards

• Credit card payoff calculator

  See how many months it takes to clear a credit card balance at a fixed monthly payment, how much interest you will pay, and the payment needed to be debt-free by a target date.

• Loan repayment (EMI) and amortization calculator

  Work out the fixed monthly payment (EMI) on a loan, the total interest, and a month-by-month amortization schedule, including the effect of overpaying.

• Debt snowball vs avalanche calculator

  Compare the debt snowball (smallest balance first) and debt avalanche (highest interest first) methods: payoff date, total interest and the order your debts are cleared.

Mortgages and homes

• Mortgage repayment calculator

  Calculate your monthly mortgage payment on a repayment or interest-only basis, the total interest over the term, loan-to-value, and how overpayments shorten the mortgage.

• Mortgage affordability calculator

  Estimate the largest mortgage and home price you can afford using either a payment-to-income rule (common in the US) or an income multiple (common in the UK).

Saving and retirement

• Compound interest and savings calculator

  See how savings grow with compound interest and regular monthly deposits, with a year-by-year table of balance, contributions and interest earned.

• US401(k) and IRA contribution room calculator (2026)

  Find your 2026 401(k), traditional IRA and Roth IRA contribution limits, including catch-up contributions for 50+ and 60–63, and the Roth IRA income phase-out.

General information, not personal financial advice.