Updated for the 2026/27 tax year
Free UK money calculators
Plain-English tools for the money questions that come up in ordinary life — what actually lands in your account, and whether you can afford to take leave.
Every calculator here runs entirely on your own device. There are no accounts, no cookie banner and no tracking scripts, because there is nowhere for your figures to go. Nothing is filled in for you either: you enter your own numbers, or you get no answer.
Each tool states the tax year it uses, lists what it assumes, and shows its working, so you can check the sums rather than take them on trust. Rates are verified against HMRC, GOV.UK and gov.scot before anything is published, and reviewed every April.
The tools
Take-home pay calculatorLive
What actually lands in your account each month, after income tax, National Insurance, pension and student loan. Covers Scotland as well as the rest of the UK, shows the rate your next pound is taxed at, and warns you if you are sitting near a threshold that costs you money.
Maternity pay plannerLive
Can your household afford maternity leave, and how much should you save before it starts? Maps your whole household month by month through leave and the first months back, handles enhanced employer schemes, and shows the tax refunds that arrive when your pay drops mid-year.
Salary sacrifice calculatorLive
What does sacrificing salary into your pension really cost you? Prices every pound that goes into your pension, compares all three ways an employer can run a pension contribution, and works out what you would need to sacrifice to drop below a threshold that is costing you money.
Shared ownership calculatorLive
What a shared ownership home really costs, month by month and over ten years, plus the stamp duty choice you make once and cannot undo. Covers England, Wales and Northern Ireland, each of which works differently.
Why these numbers can be checked
Nobody funds this site. No company sits behind it, nothing is for sale, and no bank, lender or comparison site pays for a mention. There is no sign-up, no email capture and no paid tier holding a better answer back.
Every rate is taken from the primary source rather than from another calculator, and every tool is tested against worked examples before it goes live. The about and methodology page lists every figure in use, where each one comes from, and exactly what sits outside each tool's scope.
Estimates, not financial advice. Every result applies published UK rules to the figures you enter and takes no account of your circumstances, your goals or your risk. PlainPound is not authorised or regulated by the Financial Conduct Authority and is not connected to HMRC or any government department.
If a decision is large or hard to undo, get advice from someone qualified to give it.