# Poundsum

> Free UK pay, tax & mortgage calculators


## Posts

- [How Much Can I Borrow for a Mortgage?](https://poundsum.co.uk/how-much-can-i-borrow-for-a-mortgage/): How much can I borrow for a mortgage? How UK lenders use income multiples and affordability checks, examples by salary, and how to borrow more.
- [Self Assessment Deadline and How to Pay Your Tax Bill](https://poundsum.co.uk/self-assessment-deadline/): Self Assessment deadlines explained: 31 October, 31 January and 31 July, penalties for missing them, payments on account and every way to pay your tax bill.
- [How to Register for Self Assessment: Step by Step](https://poundsum.co.uk/register-for-self-assessment/): How to register for Self Assessment with HMRC: who needs to, the 5 October deadline, the steps for self-employed people and others, and getting your UTR.
- [Self Assessment: Who Needs to File and How It Works](https://poundsum.co.uk/self-assessment/): Self Assessment explained: who needs to file a tax return, what income to include, how the tax is worked out and the key dates for the year.
- [Council Tax Bands Explained: England, Scotland and Wales](https://poundsum.co.uk/council-tax-bands/): Council tax bands explained: the property values for bands A to H (and I in Wales), how much each band pays, how to check your band and how to challenge it.
- [Tax Code 1257L Explained: Meaning, M1, W1 and X](https://poundsum.co.uk/tax-code-1257l/): Tax code 1257L explained: what the numbers and letter mean, emergency codes 1257L M1, W1 and X, Scottish and Welsh versions, and how to fix a wrong code.
- [National Minimum Wage Increase: New Rates From April 2027](https://poundsum.co.uk/national-minimum-wage-increase/): The next national minimum wage increase: confirmed April 2027 rates for every age band, what the rise means in weekly and yearly pay, and what employers need to do.
- [Apprentice Minimum Wage: Rates, Rules and Examples](https://poundsum.co.uk/apprentice-minimum-wage/): The apprentice minimum wage explained: the current hourly rate, who can be paid it, when you move to the full rate for your age, and weekly pay examples.
- [Minimum Wage in Scotland: Current Rates and the Real Living Wage](https://poundsum.co.uk/minimum-wage-scotland/): What the minimum wage is in Scotland, the real Living Wage, and how Scottish Income Tax affects take-home pay.
- [Minimum Wage in London: Legal Rate vs London Living Wage](https://poundsum.co.uk/minimum-wage-london/): What the minimum wage is in London, how it compares with the London Living Wage, and what each is worth per year.
- [Minimum Wage by Age: Rates for 16, 17, 18, 19, 20 and 21+](https://poundsum.co.uk/minimum-wage-by-age/): What the minimum wage is at each age from 16 to 21 and over, with weekly and yearly examples and the birthday rules.
- [Minimum Wage UK: Current Rates and Your Rights](https://poundsum.co.uk/minimum-wage/): The current UK minimum wage rates for every age group, what counts as pay, and what to do if you are paid less.

## Pages

- [Commercial Stamp Duty Calculator](https://poundsum.co.uk/commercial-stamp-duty-calculator/): Use this commercial stamp duty calculator to work out the tax on buying offices, shops, industrial units, farmland and mixed-use property anywhere in the UK.
- [Stamp Duty Calculator Scotland (LBTT)](https://poundsum.co.uk/stamp-duty-calculator-scotland/): This stamp duty calculator Scotland buyers can use works out Land and Buildings Transaction Tax (LBTT), Scotland's version of stamp duty.
- [Stamp Duty Calculator Wales (LTT)](https://poundsum.co.uk/stamp-duty-calculator-wales/): Use this stamp duty calculator Wales buyers need to work out Land Transaction Tax (LTT), which replaced stamp duty in Wales in 2018.
- [Guarantor Mortgage Calculator](https://poundsum.co.uk/guarantor-mortgage-calculator/): Use this guarantor mortgage calculator to see how much more you could borrow if a parent or relative acts as your guarantor.
- [Moving House Mortgage Calculator](https://poundsum.co.uk/moving-house-mortgage-calculator/): Use this moving house mortgage calculator to plan your next move.
- [Self Build Mortgage Calculator](https://poundsum.co.uk/self-build-mortgage-calculator/): Use this self build mortgage calculator to plan the finance for building your own home.
- [Bad Credit Mortgage Calculator](https://poundsum.co.uk/bad-credit-mortgage-calculator/): This bad credit mortgage calculator shows what a mortgage costs if your credit history means a higher interest rate.
- [Self Employed Mortgage Calculator](https://poundsum.co.uk/self-employed-mortgage-calculator/): Use this self employed mortgage calculator to estimate how much you could borrow when you work for yourself.
- [Mortgage Deposit Calculator](https://poundsum.co.uk/mortgage-deposit-calculator/): Use this mortgage deposit calculator to see how much deposit you need for a home, what loan to value (LTV) that gives you and how long it will take to save.
- [Mortgage Balance Calculator](https://poundsum.co.uk/mortgage-balance-calculator/): Use this mortgage balance calculator to find out how much you still owe on your mortgage after a number of years, how much capital you have repaid and how much interest you have paid so far.
- [Offset Mortgage Calculator](https://poundsum.co.uk/offset-mortgage-calculator/): Use this offset mortgage calculator to see how much interest and time you save by linking your savings to your mortgage.
- [Shared Ownership Mortgage Calculator](https://poundsum.co.uk/shared-ownership-mortgage-calculator/): This shared ownership mortgage calculator works out your total monthly cost when you buy part of a home and pay rent on the rest.
- [Lifetime Mortgage Calculator](https://poundsum.co.uk/lifetime-mortgage-calculator/): Use this lifetime mortgage calculator to see roughly how much equity you could release from your home and how the loan grows over time when interest rolls up.
- [Commercial Mortgage Calculator UK](https://poundsum.co.uk/commercial-mortgage-calculator/): Use this commercial mortgage calculator to work out the monthly payments, arrangement fee and total interest on a mortgage for a shop, office, warehouse, pub or other business property.
- [Armed Forces Pension Calculator](https://poundsum.co.uk/armed-forces-pension-calculator/): Use this armed forces pension calculator to estimate the pension you will get from the Armed Forces Pension Scheme 2015.
- [Civil Service Pension Calculator](https://poundsum.co.uk/civil-service-pension-calculator/): Use this civil service pension calculator to estimate the pension you will get from the Civil Service alpha.
- [NHS Pension Calculator](https://poundsum.co.uk/nhs-pension-calculator/): Use this nhs pension calculator to estimate the pension you will get from the NHS Pension Scheme.
- [Pension Tax Relief Calculator UK](https://poundsum.co.uk/pension-tax-relief-calculator/): This pension tax relief calculator shows how much tax relief you get on personal pension and SIPP contributions.
- [Pension Tax Calculator UK](https://poundsum.co.uk/pension-withdrawal-tax-calculator/): Use this pension tax calculator to work out the tax on money you take out of a defined contribution pension.
- [Salary Sacrifice Calculator UK](https://poundsum.co.uk/salary-sacrifice-calculator/): This salary sacrifice calculator compares paying into your workplace pension the normal way with salary sacrifice.
- [Pension Drawdown Calculator UK](https://poundsum.co.uk/pension-drawdown-calculator/): Use this pension drawdown calculator to see how long your pension pot could last if you take an income from it while it stays invested.
- [State Pension Age Calculator](https://poundsum.co.uk/state-pension-age-calculator/): Use this state pension age calculator to find out when you can claim your State Pension.
- [Annuity Calculator UK](https://poundsum.co.uk/annuity-calculator/): Use this annuity calculator to see how much guaranteed income your pension pot could buy.
- [Child Benefit Tax Calculator](https://poundsum.co.uk/child-benefit-tax-calculator/): Use this child benefit tax calculator to work out the High Income Child Benefit Charge (HICBC).
- [Tax Free Childcare Calculator](https://poundsum.co.uk/tax-free-childcare-calculator/): Use this tax free childcare calculator to see whether you qualify for Tax-Free Childcare and how much the government will add to your childcare costs.
- [Child Maintenance Calculator UK](https://poundsum.co.uk/child-maintenance-calculator/): Use this child maintenance calculator to estimate how much child maintenance the paying parent should pay, using the same rules as the Child Maintenance Service (CMS).
- [Redundancy Tax Calculator UK](https://poundsum.co.uk/redundancy-tax-calculator/): This redundancy tax calculator works out your statutory redundancy pay and the tax on your whole package.
- [Reverse Tax Calculator UK](https://poundsum.co.uk/reverse-tax-calculator/): Use this reverse tax calculator to work out the gross salary you need to take home a set amount after Income Tax and National Insurance.
- [Salary Increase Calculator](https://poundsum.co.uk/salary-increase-calculator/): This salary increase calculator shows your new salary after a pay rise, how much more you take home each month after tax, and whether the rise beats inflation.
- [Bonus Tax Calculator UK](https://poundsum.co.uk/bonus-tax-calculator/): Use this bonus tax calculator to see how much of a bonus you actually keep.
- [Teacher Take Home Pay Calculator](https://poundsum.co.uk/teacher-take-home-pay-calculator/): This teacher take home pay calculator shows what teachers in England take home on every point of the main and upper pay ranges, from September 2026.
- [Tax Rebate Calculator UK](https://poundsum.co.uk/tax-rebate-calculator/): Use this tax rebate calculator to check whether you have paid too much Income Tax through PAYE this tax year.
- [Marriage Tax Allowance Calculator](https://poundsum.co.uk/marriage-tax-allowance-calculator/): Use this marriage tax allowance calculator to check whether you and your spouse or civil partner can claim the Marriage Allowance, how much it saves this tax year and how much you could backdate.
- [Nanny Tax Calculator UK](https://poundsum.co.uk/nanny-tax-calculator/): Use this nanny tax calculator to see what employing a nanny really costs.
- [Council Tax Calculator](https://poundsum.co.uk/council-tax-calculator/): Use this council tax calculator to work out your yearly and monthly council tax for any band in England, Wales or Scotland.
- [Company Car Tax Calculator UK](https://poundsum.co.uk/company-car-tax-calculator/): This company car tax calculator works out the benefit in kind (BIK) tax you pay on a car from your employer, whether it is a traditional company car or a salary sacrifice car.
- [Car Tax Calculator UK](https://poundsum.co.uk/car-tax-calculator/): Use this car tax calculator to work out the Vehicle Excise Duty (VED), often called road tax, on a car registered in the UK since 1 April 2017.
- [Rental Income Tax Calculator UK](https://poundsum.co.uk/rental-income-tax-calculator/): Use this rental income tax calculator to estimate the Income Tax on your rental profit as a UK landlord.
- [Tax on Savings Interest Calculator UK](https://poundsum.co.uk/tax-on-savings-interest-calculator/): This tax on savings interest calculator UK savers can use shows how much of your interest is tax-free and how much tax you owe on the rest.
- [Corporation Tax Calculator UK](https://poundsum.co.uk/corporation-tax-calculator/): This corporation tax calculator works out the tax your limited company pays on its profits.
- [Dividend Tax Calculator UK](https://poundsum.co.uk/dividend-tax-calculator/): Use this dividend tax calculator to see how much tax you pay on dividends from shares, funds or your own limited company.
- [Capital Gains Tax Calculator UK](https://poundsum.co.uk/capital-gains-tax-calculator/): This capital gains tax calculator works out the tax when you sell shares, a second home, a buy-to-let or other assets for more than you paid.
- [Self Employed Tax Calculator UK](https://poundsum.co.uk/self-employed-tax-calculator/): Use this self employed tax calculator to estimate the Income Tax and Class 4 National Insurance on your sole trader profits, and how much to set aside each month.
- [Mortgage Interest Calculator UK](https://poundsum.co.uk/mortgage-interest-calculator/): Use this mortgage interest calculator to see how much of your mortgage payment is interest, how much interest you pay in the first year and over the whole term, and how your balance falls year by year.
- [Interest Only Mortgage Calculator UK](https://poundsum.co.uk/interest-only-mortgage-calculator/): Use this interest only mortgage calculator to see your monthly payment if you pay only the interest, and how it compares with a repayment mortgage.
- [Buy to Let Mortgage Calculator UK](https://poundsum.co.uk/buy-to-let-mortgage-calculator/): Use this buy to let mortgage calculator to check whether the rent from a property is likely to support the mortgage you need.
- [Remortgage Calculator UK](https://poundsum.co.uk/remortgage-calculator/): Use this remortgage calculator to see how much a new mortgage deal could save you each month and over the whole deal, after fees.
- [Mortgage Overpayment Calculator UK](https://poundsum.co.uk/mortgage-overpayment-calculator/): Use this mortgage overpayment calculator to see how much interest you save, and how much sooner you are mortgage-free, by paying more than your normal monthly payment.
- [Minimum Wage Salary Calculator](https://poundsum.co.uk/minimum-wage-salary-calculator/): What is the minimum wage salary for your hours? This calculator shows the legal minimum pay per week, month and year for any age group and working pattern.
- [Pro Rata Salary Calculator UK](https://poundsum.co.uk/pro-rata-salary-calculator/): Use this pro rata salary calculator to find out what a full-time salary is worth for the hours you actually work.
- [Monthly Take Home Pay Calculator UK](https://poundsum.co.uk/monthly-take-home-pay-calculator/): Use this monthly take home pay calculator to see how much of your salary actually reaches your bank account each month.
- [Hourly Wage Calculator UK](https://poundsum.co.uk/hourly-wage-calculator/): Use this hourly wage calculator to turn any UK hourly rate into daily, weekly, monthly and yearly pay in seconds.
- [Disclaimer](https://poundsum.co.uk/disclaimer/): The calculators and guides on are for general information. They are not financial, tax, legal or mortgage advice.
- [Terms of Use](https://poundsum.co.uk/terms/): These terms apply to your use of . By using the site you accept them. Last updated: 5 November 2026.
- [Contact Us](https://poundsum.co.uk/contact/): We are happy to hear from you, whether you have found a mistake, have an idea for a new calculator or want to ask about the site.
- [About Us](https://poundsum.co.uk/about/): is a free collection of UK money calculators and guides.
- [Guides](https://poundsum.co.uk/guides/): Plain-English guides to UK pay, tax and money.
- [Family Money Calculators](https://poundsum.co.uk/family-money/): Our family money calculators estimate child maintenance using the CMS rules, the Tax-Free Childcare top-up you can get and the High Income Child Benefit Charge, so families can plan their budget.
- [UK Pension Calculators](https://poundsum.co.uk/pension/): Our UK pension calculators show your State Pension age, compare annuities and drawdown, check the tax on withdrawals and tax relief, and estimate NHS, civil service and armed forces pensions.
- [UK Tax Calculators](https://poundsum.co.uk/tax/): Our UK tax calculators estimate the tax on self-employed profits, dividends, capital gains, company profits, savings, rent, company cars, council tax and more, using the current HMRC rates.
- [Stamp Duty and Property Tax Calculators](https://poundsum.co.uk/stamp-duty/): Our stamp duty and property tax calculators work out Land and Buildings Transaction Tax in Scotland, Land Transaction Tax in Wales and the tax on commercial property anywhere in the UK.
- [UK Mortgage Calculators](https://poundsum.co.uk/mortgage/): Our UK mortgage calculators help you plan overpayments, remortgaging, buy to let, offset, shared ownership, lifetime and self-build mortgages, with clear monthly figures for UK homeowners and landlords.
- [UK Pay and Salary Calculators](https://poundsum.co.uk/pay-salary/): Our UK pay and salary calculators work out your hourly rate, yearly salary, take-home pay, bonus, pay rise and part-time pay, using the current UK tax, National Insurance and minimum wage figures.
- [Free UK Pay, Tax and Mortgage Calculators](https://poundsum.co.uk/): has 52 free UK calculators for the money questions people in the UK ask most: what a job really pays per hour, what you take home after tax, how much a mortgage overpayment saves, and what you owe on property, savings or self-employed income.
- [Privacy Policy](https://poundsum.co.uk/privacy-policy/): This policy explains what personal data collects, why, and your rights under UK data protection law (the UK GDPR and the Data Protection Act 2018).


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