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Financial Calculators

Free, precise, and easy-to-use tools for your daily financial planning. No registration, no hidden fees.

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VAT Calculator

Quickly add or remove VAT from any amount using current rates.
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Stamp Duty

Calculate SDLT for your property purchase in England or NI.
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Mortgage

Estimate your monthly mortgage repayments and interest.
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Salary Tax

Calculate your take-home pay after tax and NI contributions.
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Loan Calculator

Plan your personal loans with monthly payment breakdowns.
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Capital Gains

Calculate tax on profits from selling assets or property.
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Buy vs Rent

Compare the long-term cost of buying a home vs renting.
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Income Tax

Work out how much income tax you should be paying.

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Rental Yield

Calculate gross and net rental yields for investment properties.
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Dividend Tax

Calculate tax payable on dividend income from shares.
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Child Benefit

Check if you need to pay the High Income Child Benefit Charge.
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Student Loan

Calculate your monthly UK student loan repayments.

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Balance Transfer

Calculate potential savings from transferring credit card balances.
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Compound Interest

See how your investments grow over time with compound interest.
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Card Interest

Estimate how much interest you'll pay on your credit card balance.
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Energy Cost

Estimate the running cost of your household appliances.
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Overpayment

See how much interest and time you can save by overpaying your mortgage.
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Profit Margin

Calculate gross profit margin and markup for your business.
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Property ROI

Calculate the ROI for your property purchases.
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Rent Afford

Check how much rent you can afford based on your income.
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Rent (Bank)

Advanced rent affordability check using bank criteria.
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Self-Employed

Estimate tax and NI for self-employed individuals in the UK.

Calculator notes

Planning tools for UK tax, property and borrowing decisions

PoundPilot calculators are built to help UK users make quick estimates before they speak to a lender, accountant, adviser, landlord or official body. The tools cover common household and small-business questions such as take-home pay, VAT, mortgage repayments, stamp duty, rent affordability, loan costs, dividend tax and property returns.

Each calculator is intended to show the assumptions behind the result rather than simply returning a number. Where a result depends on a tax year, threshold, repayment plan, rate or property rule, you should check the page notes and compare important decisions against official guidance. Tax and finance rules change, and personal circumstances can alter the answer.

These tools are for education and planning. They do not replace HMRC guidance, regulated financial advice, legal advice, accounting advice or a lender's affordability assessment. If a result will affect a tax return, property purchase, borrowing application or business invoice, treat it as a starting point and verify it with the relevant professional or official source.

How to use the estimates

  • Enter realistic figures rather than best-case assumptions.
  • Check whether the calculator uses the correct UK tax year.
  • Compare monthly affordability and total lifetime cost.
  • Save a copy of your assumptions when discussing a decision.
  • Use official sources for final tax, benefit or legal positions.