Work out the numbers
A little clarity.
Before the next step.
Explore borrowing costs, take-home pay and everyday tax calculations. Adjust the figures to understand what a decision could mean for you.
Your figures stay in this browser. Nothing is submitted or saved.
HCA calculator
Mortgage
Estimate a monthly repayment and the interest over the full term.
Enter your figures and select Calculate estimate.
What this estimate covers
Assumes the same interest rate for the whole term and payments at the end of each month. Excludes fees, rate changes, overpayments and insurance. An interest-only mortgage leaves the entire capital to repay at the end. This is a cost estimate, not an affordability assessment or mortgage offer.
HCA calculator
Loan
See the monthly cost of a fixed-rate repayment loan.
Enter your figures and select Calculate estimate.
What this estimate covers
Equal repayments at the end of each month, with a fixed nominal rate compounded monthly. Excludes fees, payment holidays, early repayment costs and any final balloon payment. A lender’s actual schedule and daily interest calculation can differ.
HCA calculator
APR
Compare the effective annual cost of a simple monthly repayment agreement.
Enter your figures and select Calculate estimate.
What this estimate covers
A cash-flow APR estimate: one advance, an upfront fee and equal monthly payments, starting one month later. No irregular dates, insurance, balloon payments or further fees. This does not replace a lender’s regulated APR disclosure. The fee must be less than the loan.
HCA calculator
Take-home pay
Estimate annual Income Tax, employee National Insurance and average monthly pay.
Enter your figures and select Calculate estimate.
What this estimate covers
2026/27 annual estimate for one employment, standard Personal Allowance (with taper above £100,000) and category A employee NI. Assumes salary is your only income. Excludes pensions, salary sacrifice, student loans, benefits, tax-code adjustments and other deductions. NI uses annual thresholds, so actual monthly payslips and payroll rounding will differ. Not payroll software or a payslip generator.
HCA calculator
VAT
Add VAT to a net price, or find the VAT within a total.
Enter your figures and select Calculate estimate.
What this estimate covers
Simple UK price calculation. VAT is rounded to the nearest penny, with half a penny rounded up, before deriving the remaining amount. You must check which rate applies to the supply. Zero-rated and exempt supplies have different VAT treatment. This does not calculate a VAT return, Flat Rate Scheme liability, reverse charge or mixed-rate invoice.
HCA calculator
Stamp duty
Estimate SDLT for a straightforward residential purchase in England or Northern Ireland.
Enter your figures and select Calculate estimate.
What this estimate covers
Rates from 1 April 2025, checked September 2026. Assumes UK-resident individual buyers, one whole residential property and no linked transactions. First-time relief requires every purchaser to qualify and an intended main home; it ends above £500,000. Higher rates apply to qualifying additional purchases from £40,000. Excludes non-resident surcharge, companies, lease rent, mixed use, shared ownership and other reliefs. Select standard rates only if main-residence replacement conditions are met.
HCA calculator
Company car
Estimate the tax cost of a full year’s company car benefit.
Enter your figures and select Calculate estimate.
What this estimate covers
2026/27, full-year availability, no employee contributions, no salary sacrifice or cash alternative, and no classic-car special valuation. Enter a verified HMRC percentage for your car. Tax assumes the whole benefit falls within the selected marginal band; allowance taper or crossing a tax band can change it. Private fuel is calculated separately.
HCA calculator
Car fuel benefit
Estimate the separate benefit when an employer pays for private fuel.
Enter your figures and select Calculate estimate.
What this estimate covers
2026/27 full-year private fuel benefit: £29,200 multiplier × the car’s HMRC percentage. Assumes no complete repayment of private fuel costs; partial repayment does not proportionately reduce the charge. Electricity is not fuel for this charge. Excludes part-year adjustments and salary sacrifice. Tax assumes one marginal band and no allowance taper. This is separate from the car benefit.
Business & planning
Explore the numbers behind your next move.
Seven tools for day-to-day costs, business decisions and longer-term plans. All calculations run in your browser.
CIS deductionsEstimate the deduction and subcontractor payment.
Enter your figures, then choose Calculate.
Use the rate HMRC gives you after verification. Enter allowable direct materials, plant hire, consumables, manufacturing and qualifying fuel costs as exclusions. Travel fuel is not excluded. Results exclude VAT; handle VAT or the domestic reverse charge separately.
HMRC: CIS deduction rulesSource checked 23 September 2026
Journey fuel costsTurn mileage and pump prices into a journey cost.
Enter your figures, then choose Calculate.
Uses 4.54609 litres per imperial gallon. This is fuel only, not an HMRC mileage allowance, reimbursement rate or total vehicle running cost.
Gross profit & marginSee the difference between margin and markup.
Enter your figures, then choose Calculate.
Gross profit is revenue less direct cost of sales. Margin divides by revenue; markup divides by cost. Neither is net profit, cash flow or money available to withdraw.
Profit improvementExplore the effect of price, volume and direct-cost changes.
Enter your figures, then choose Calculate.
An illustrative scenario. Volume changes affect revenue and direct costs together; fixed overheads stay constant. Excludes VAT, finance costs, tax and changes in customer demand caused by a price change.
Savings growthProject a balance with regular monthly contributions.
Enter your figures, then choose Calculate.
Assumes a constant effective annual return converted to monthly growth, with contributions at month end. The example rate is not a product offer. Excludes tax, fees and inflation; returns can be negative and are not guaranteed.
Savings targetEstimate the time to £1 million, or a target you choose.
Enter your figures, then choose Calculate.
A mathematical projection, not an investment recommendation. Assumes constant returns and contributions, excluding tax, fees and inflation. Checks up to 100 years; a target may not be reached within that period.
Starting a businessEstimate your setup reserve and monthly break-even sales.
Enter your figures, then choose Calculate.
Starting reserve is setup costs plus the chosen months of fixed overheads. It excludes stock, debtor delays, tax, finance and owner drawings unless you include them in the inputs. Operating surplus is before tax and finance costs; it is not cash available.