Free Online Tools for UK 2026: Income Tax, Stamp Duty and More
Tax, property and money tools built for UK rates and rules. Free, private and no sign-up.
Last updated: June 2026
UK tax & property
Money & savings
Budget Calculator
Plan a monthly budget with the 50/30/20 rule.
OpenMortgage Calculator
Monthly payment, amortisation and affordability.
OpenLoan Payoff Calculator
See how extra payments clear a loan faster.
OpenSavings Goal Calculator
How long, or how much per month, to hit a target.
OpenCompound Interest Calculator
Project savings growth with regular contributions.
OpenUK money decisions hinge on a few specifics: the ยฃ12,570 personal allowance, separate Scottish tax bands, employee National Insurance, student loan plans and the patchwork of stamp duty across England, Scotland and Wales. The tools on this page are set up for exactly those rules, so you get a figure that matches where you live and work rather than a rough global estimate.
The UK income tax calculator is the natural starting point. It shows income tax and National Insurance separately, applies the right bands for England, Wales or Scotland, and gives you take-home pay per month and per year, with student loan plans on top if you need them. Buying a home? The stamp duty calculator handles SDLT, LBTT and LTT, including first-time-buyer relief and the second-home surcharge.
For everyday planning, the budget calculator, mortgage calculator and savings goal calculator help you map out where your money goes and how fast it grows. The compound interest calculator is handy for projecting an ISA or general savings pot over time.
Job hunting in the UK? The CV builder creates a clean, ATS-friendly CV with no watermark, and the PDF tools handle the documents that come with applications and admin. Every tool is free, works on mobile, and keeps your data on your device. UK tax rules change with each Budget, so treat the results as planning estimates and check anything important against HMRC or an adviser.
Guides for the UK
FAQ
Frequently asked questions
Are these tools accurate for the UK 2025-26 tax year?
Yes. The UK income tax calculator uses the 2025-26 bands and the ยฃ12,570 personal allowance, with separate Scottish bands, plus employee National Insurance and student loan plans. The stamp duty calculator covers SDLT in England and Northern Ireland, LBTT in Scotland and LTT in Wales. Everything runs in your browser.
Do the calculators include National Insurance?
Yes. The UK income tax calculator shows income tax and employee National Insurance separately, then gives your net take-home pay per year and per month. You can also add a student loan plan to see its effect on your monthly pay.
Does the stamp duty calculator handle Scotland and Wales?
Yes. It switches between SDLT for England and Northern Ireland, LBTT for Scotland and LTT for Wales, and applies first-time-buyer relief and the additional-property surcharge where they apply, so the figure matches your nation and buyer type.
Can I build a UK CV with these tools?
Yes. The resume builder produces a clean, ATS-friendly CV you can download as a PDF or Word file with no watermark and no account. It works well for UK applications, and you can run it through the ATS score checker before you send it.
Are the tools really free with no sign-up?
Completely free, with no account and no daily limit. The site is funded by unobtrusive advertising, and your figures stay on your device because every tool runs locally in your browser.