Run the
numbers.
Quick estimates for pay, VAT, property, borrowing and business plans. Each one shows what it assumes, and the tax calculators link to the official source.
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Pay and tax
Take-home pay
Weighing up a new job or a pay rise? See the Income Tax and National Insurance on a salary, and what reaches your bank.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- 2026/27 rates. One job, and the salary is your only income.
- The standard £12,570 Personal Allowance. It goes down by £1 for every £2 you earn over £100,000.
- Employee National Insurance at 8% between £12,570 and £50,270, then 2% above that. This is category A, which most employees are on.
- Pension contributions, salary sacrifice, student loans, company benefits and tax code changes aren’t included.
- Payroll works things out each pay day, so your actual payslips can differ by a few pounds.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Pay and tax
Add or remove VAT
Pricing a job or checking an invoice? Add VAT to a price, or take it out of a price that already includes it.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- VAT is rounded to the nearest penny, with half a penny rounded up, and the rest is worked out from that.
- You need to check which rate applies to what you’re selling. Exempt sales aren’t the same as zero-rated ones.
- It doesn’t cover VAT returns, the Flat Rate Scheme, the reverse charge or invoices with mixed rates.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Official sources
Checked 5 October 2026
Pay and tax
Stamp Duty
Buying a home or a rental property in England or Northern Ireland? Estimate the Stamp Duty Land Tax before you make an offer.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- Standard rates: 0% up to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5 million, then 12%.
- First-time buyers pay 0% up to £300,000 and 5% up to £500,000. Above £500,000 there’s no relief. If you’re buying with someone else, they must be a first-time buyer too.
- An additional property costing £40,000 or more pays an extra 5% on the whole price.
- You’re UK resident, buying one whole home as an individual. The 2% non-resident surcharge, companies, leases, mixed-use and shared ownership aren’t covered.
- Wales and Scotland have their own taxes. Use the links below for those.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Official sources
Checked 5 October 2026
Pay and tax
Company car tax
Offered a company car, or thinking of putting one through the business? See the yearly tax on the benefit.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- 2026/27. The car is available all year, you don’t pay anything towards it, and there’s no salary sacrifice.
- All of the benefit is taxed at the rate you pick. If it takes you into a higher band or cuts your Personal Allowance, the real figure is higher.
- Your employer pays Class 1A National Insurance at 15% on the benefit.
- Fuel for private driving is a separate charge. Use the fuel benefit calculator for that.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Pay and tax
Company car fuel benefit
Does your employer pay for fuel you use for private driving? That’s a separate taxable benefit. See what it costs you.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- 2026/27: £29,200 multiplied by your car’s benefit percentage.
- It applies if your employer pays for any private fuel and you don’t pay all of it back. Paying back part of it doesn’t reduce the charge.
- Electricity isn’t fuel for this charge, so a fully electric car has no fuel benefit. The car itself is still taxed.
- Full year, one tax rate, and no salary sacrifice.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Official sources
Checked 5 October 2026
Business and planning
CIS deductions
Paying a subcontractor under the Construction Industry Scheme? Work out the deduction and what to pay them.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- The deduction is the rate multiplied by the invoice less the costs you leave out. All figures are without VAT.
- Use the rate HMRC gives you when you verify the subcontractor.
- VAT and the domestic reverse charge are handled separately.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Business and planning
Fuel cost of a trip
Quoting for a job further afield? Turn the miles and the pump price into the fuel cost of the trip.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- UK (imperial) gallons of 4.54609 litres.
- Fuel only. Wear, insurance and servicing aren’t included.
- It isn’t an HMRC mileage rate. For business miles in your own car, HMRC’s approved rate is 55p a mile for the first 10,000 miles, then 25p.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Official sources
Checked 5 October 2026
Business and planning
Gross profit and margin
Setting prices? See your gross profit, and the difference between margin and markup.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- Gross profit is sales less the direct costs of those sales.
- Margin is gross profit divided by sales. Markup is gross profit divided by cost.
- It’s before overheads, tax and anything you take out, so it isn’t the money you can draw.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Business and planning
Price, volume and profit
Wondering what a price rise or a busier month would do? Change price, volume and costs, and see the effect on profit.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- A change in volume moves sales and direct costs together. Overheads stay the same.
- It doesn’t predict how customers react to a price change. That part is your judgement.
- Before VAT, interest and tax.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Business and planning
Savings growth
Putting money aside each month? See what it could grow to.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- The same yearly return every year, turned into monthly growth.
- You add money at the end of each month.
- Tax, fees and inflation aren’t included. Returns aren’t guaranteed and can go down.
- The return is your own assumption. It isn’t a rate on offer.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Official sources
Checked 5 October 2026
Business and planning
Savings target
Saving towards a figure? See how long it could take to get there. The example is £1 million, but use your own.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- The same return and the same monthly amount every year.
- Tax, fees and inflation aren’t included. Returns aren’t guaranteed.
- It looks up to 100 years ahead. Some targets won’t be reached in that time.
- This is arithmetic, not investment advice.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Official sources
Checked 5 October 2026
Business and planning
Starting a business
Starting out on your own? See how much money you need to start with, and the sales you need each month to cover your costs.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- Money to start with is your setup costs plus the months of overheads you choose to keep back.
- Stock, waiting for customers to pay, tax, loan repayments and what you draw for yourself aren’t included unless you add them in.
- The monthly surplus is before tax and finance costs. It isn’t the same as cash in the bank.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Official sources
Checked 5 October 2026
Borrowing
Mortgage repayments
Thinking about a mortgage or a remortgage? See the monthly payment and the interest over the whole term.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- The rate stays the same for the whole term. In real life a fixed deal usually ends after a few years.
- You pay once a month, at the end of each month.
- Fees, overpayments and insurance aren’t included.
- With interest only, you still owe the full amount at the end of the term.
- This shows what the borrowing costs. It doesn’t tell you what a lender will offer you.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Borrowing
Loan repayments
Looking at a loan for the business or for yourself? See what it costs each month and in total.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- The rate is fixed and you make equal payments at the end of each month.
- Interest is worked out monthly. Many lenders work it out daily, so their figures can differ by a little.
- Arrangement fees, payment holidays, early repayment charges and balloon payments aren’t included.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Borrowing
APR from your repayments
Got a finance quote with a fee? Work out the yearly cost from the repayments, so you can compare offers on the same basis.
Your estimate shows here. Put in your figures and press Work it out.
What this assumes
- You get the money in one go, pay any fee on the same day, then make equal monthly payments starting a month later.
- Irregular dates, insurance and other fees aren’t included.
- The fee has to be less than the amount you borrow.
- The APR the lender quotes is the one that counts. Use this to compare offers and check the figures add up.
Not sure it fits your situation? Ring us on 0113 460 1786 and we’ll go through it with you.
Not sure this
applies to you?
Ring us and tell us what you’re looking at. We’ll check it against your own figures and dates, and tell you what to do next.