Finance & Savings in the UK
Manage private savings tax-efficiently using Individual Savings Accounts (ISAs) or Self-Invested Personal Pensions (SIPPs). Compound interest and debt solutions are governed by UK-wide financial authorities.
All Finance & Savings (Northern Ireland) Calculators
34 calculatorsUK Armed Forces Pension Scheme (AFPS 15) Retirement Calculator 2026/27
Calculate UK Armed Forces (Army, Royal Navy, RAF) CARE pension benefits, Early Departure Payments (EDP), and tax-free lump sums under AFPS 15 rules.
Bank Overdraft Cost & Interest Calculator 2026/27
Calculate daily interest fees and monthly costs for UK current account arranged overdrafts under FCA single EAR rules.
Bitcoin (BTC) to GBP Converter & Tax Estimator 2026/27
Convert Bitcoin (BTC) values into British Pounds Sterling (GBP), calculate crypto exchange fees, and estimate HMRC Capital Gains Tax.
UK 50-30-20 Budgeting Rule Calculator 2026/27
Calculate your ideal monthly spending split using the 50/30/20 budgeting rule (Needs 50%, Wants 30%, Savings/Debt 20%).
UK Business Valuation Calculator 2026/27
Calculate UK SME business valuations using EBITDA multiples, Seller's Discretionary Earnings (SDE), and net asset values.
UK Capital Gains Tax (CGT) on Shares Calculator 2026/27
Calculate HMRC Capital Gains Tax on UK stock and share sales outside ISAs using Section 104 pooling and 2026/27 rates.
Compound Interest & Growth Calculator 2026/27
Calculate compound interest gains over time for UK savings accounts, Stocks & Shares ISAs, SIPPs, and investments.
UK Crypto Tax Calculator - HMRC Rules 2026/27
Calculate UK Capital Gains Tax (CGT) on crypto assets under HMRC rules for selling, trading crypto-to-crypto, staking, and mining.
UK Pound (GBP) Foreign Currency Exchange Converter 2026/27
Convert British Pounds (GBP) into Euros, US Dollars, Canadian Dollars, and other major currencies accounting for bank exchange margins.
UK Dividend Tax Calculator 2026/27
Calculate HMRC Dividend Income Tax rates and tax payable on company shares and limited company director distributions.
UK Dividend vs Salary Calculator 2026/27
Calculate optimal Limited Company director salary and dividend extraction mix to minimize HMRC Income Tax and National Insurance.
UK Early Payment Discount & APR Calculator 2026/27
Calculate early payment discount savings and equivalent annual interest rates (APR) for UK B2B trade credit terms.
UK Firefighters' Pension Scheme (FPS 2015) CARE Calculator 2026/27
Calculate UK Firefighters' Pension Scheme CARE pension accrual (1/59.7th rate), member contribution tiers (11.0%-14.5%), and Normal Pension Age 60 benefits.
UK Help to Save Scheme Calculator 2026/27
Calculate 50% government bonus payments on savings for UK residents receiving Universal Credit or Tax Credits.
Index Fund & ETF Investment Calculator 2026/27
Calculate expected long-term portfolio growth for index funds and exchange-traded funds (ETFs) in Stocks & Shares ISAs or SIPPs.
UK Inflation & Purchasing Power Calculator 2026/27
Calculate how UK Consumer Prices Index (CPI) inflation degrades uninvested cash purchasing power and inflates future cost of living.
UK Insolvency & Statutory Debt Solution Selector 2026/27
Evaluate eligible UK statutory debt relief options (DRO, IVA, Bankruptcy, MAP, Debt Arrangement Scheme, Protected Trust Deed).
UK Lifetime ISA (LISA) First Home Calculator 2026/27
Calculate 25% government bonus top-ups, deposit growth, and £450,000 property price cap rules when saving for your first home in the UK.
UK Pension Drawdown & Capital Depletion Calculator 2026/27
Forecast how many years your UK pension pot will last under flexi-access drawdown, inflation rate increases, and investment growth.
Personal Loan Repayment & Cost Calculator 2026/27
Calculate monthly repayments, APR interest charges, total loan costs, and compare repayment terms for unsecured personal loans in the UK.
PayPal UK Merchant & Transfer Fees Calculator 2026/27
Calculate PayPal UK transaction fees, fixed pence charges, cross-border payments, and exact invoice amounts needed.
UK Police Pension Scheme (PPS 2015) CARE Retirement Calculator 2026/27
Calculate UK Police Pension Scheme CARE pension accrual (1/55.3rd rate), member contribution rates (12.44% - 13.78%), and Normal Pension Age 60 benefits.
Gross Profit Margin & Markup Calculator 2026/27
Calculate gross profit margin percentage, markup percentage, cost of goods sold (COGS), and selling prices for UK businesses.
Return on Investment (ROI) & CAGR Calculator 2026/27
Calculate total Return on Investment (ROI %), net financial gain, and Compound Annual Growth Rate (CAGR) for UK investments.
ROI & Annualized Return (ROI p.a.) Calculator 2026/27
Calculate total Return on Investment (ROI %) and annualized per-annum return rates (ROI p.a. / CAGR) over multi-year holding periods.
Savings Target & Goal Planner Calculator 2026/27
Calculate how much you need to save each month or year to reach a specific financial goal in the UK.
Self-Invested Personal Pension (SIPP) Calculator 2026/27
Calculate HMRC pension tax relief, gross SIPP contributions, higher-rate tax refunds, and retirement pot accumulation.
SIPP Tax Relief & Pension Contribution Calculator 2026/27
Calculate SIPP tax relief savings across England, Scotland, Wales, and Northern Ireland for 2026/27 income tax bands.
UK VAT Flat Rate Scheme (FRS) vs Standard Accounting Calculator 2026/27
Compare net VAT payments, administrative savings, and profit margins between the HMRC Flat Rate Scheme (FRS) and Standard Accrual VAT Accounting.
UK Sole Trader Monthly Tax Reserve & Budgeting Calculator 2026/27
Calculate what percentage of gross invoice revenue sole traders must set aside into a separate tax reserve savings account to cover HMRC tax bills.
UK Sort Code & Account Number to IBAN Converter 2026/27
Convert 6-digit UK bank sort codes and 8-digit account numbers into 22-character UK IBANs and BIC/SWIFT codes.
UK Statutory Late Payment Interest Calculator 2026/27
Calculate statutory interest (8% + Bank of England base rate) and compensation charges on overdue commercial B2B invoices under UK law.
UK Teachers' Pension Scheme (TPS) CARE Retirement Calculator 2026/27
Calculate UK Teachers' Pension Scheme CARE pension accrual (1/57th rate), member contribution rates (7.4% - 11.7%), and employer contributions (28.6%).
Workplace Pension & Auto-Enrolment Calculator 2026/27
Calculate statutory minimum 8% workplace pension contributions, employer matches, employee costs, and tax relief for 2026/27.
Savings Reminders
Maximize ISA Allowances
You can save up to £20,000 per tax year tax-free across cash, stocks & shares, or lifetime ISAs.
ISA Allowances 2026/27
Tax-Free Savings Limits
Frequently Asked Questions
What is the SIPP contribution limit?
You can receive tax relief on contributions up to 100% of your earnings, capped at an annual allowance of £60,000.