# WebCalculator.co.uk

> Free, accurate UK tax, pay, mortgage and property calculators for the 2026/27 tax year. Every tool is built and maintained against primary HMRC and GOV.UK sources, runs entirely in the browser, and shows a clear, band-by-band breakdown. Operated by Mustafa Bilgic.

WebCalculator is a UK personal-finance calculator hub. All figures use the 2026/27 tax year for England, Wales and Northern Ireland (Scotland sets its own income tax bands). Key rates used across the site: Personal Allowance £12,570 (tapered above £100,000, gone by £125,140); Income Tax 20% basic, 40% higher, 45% additional; employee National Insurance 8% (£12,570–£50,270) and 2% above; student loans Plan 1/2/4/5 at 9% and Postgraduate at 6% above their thresholds.

## Pay & Tax calculators
- [Take-Home Pay Calculator](https://webcalculator.co.uk/): Net pay after Income Tax, National Insurance, student loan and pension — yearly, monthly and weekly. The site's flagship tool.
- [Salary Calculator UK](https://webcalculator.co.uk/salary-calculator-uk): Convert an annual salary into monthly, weekly, daily and hourly take-home pay.
- [Income Tax Calculator](https://webcalculator.co.uk/income-tax-calculator): Income Tax broken down by the basic, higher and additional bands, including the £100,000 Personal Allowance taper.
- [National Insurance Calculator](https://webcalculator.co.uk/national-insurance-calculator): Class 1 employee NI at 8%/2% plus employer NI at 15% above the £5,000 secondary threshold.
- [Self-Employed Tax Calculator](https://webcalculator.co.uk/self-employed-tax-calculator): Income Tax and Class 4 NI (6%/2%) on sole-trader profits, with a set-aside figure for Self Assessment.
- [Redundancy Pay Calculator](https://webcalculator.co.uk/redundancy-pay-calculator): Statutory redundancy entitlement by age band and years of service, weekly pay capped at £719, tax-free to £30,000.
- [Gross to Net Calculator](https://webcalculator.co.uk/gross-to-net-calculator): Convert a gross salary into net (take-home) pay after Income Tax, NI, student loan and pension.
- [Hourly Wage Calculator](https://webcalculator.co.uk/hourly-wage-calculator): Convert an hourly rate and weekly hours into weekly, monthly and annual gross and take-home pay.
- [Overtime Calculator](https://webcalculator.co.uk/overtime-calculator): Overtime pay at time and a half, double time or a custom multiplier, with weekly and annual totals.
- [Bonus Tax Calculator](https://webcalculator.co.uk/bonus-tax-calculator): The Income Tax and NI taken from a work bonus stacked on your salary, at the correct marginal rate.
- [Student Loan Repayment Calculator](https://webcalculator.co.uk/student-loan-repayment-calculator): Monthly and yearly repayments for Plan 1, 2, 4, 5 and Postgraduate loans at 2026/27 thresholds.
- [Dividend Tax Calculator](https://webcalculator.co.uk/dividend-tax-calculator): Tax on dividends using the £500 allowance and the 8.75%/33.75%/39.35% rates, stacked on other income.
- [Inheritance Tax Calculator](https://webcalculator.co.uk/inheritance-tax-calculator): Estate IHT using the £325,000 nil-rate band, £175,000 residence band and the 40% (or 36% charity) rate.
- [Marriage Allowance Calculator](https://webcalculator.co.uk/marriage-allowance-calculator): Whether a couple can transfer £1,260 of Personal Allowance and the saving of up to £252 a year, with backdating.
- [Salary Sacrifice Calculator](https://webcalculator.co.uk/salary-sacrifice-calculator): How sacrificing salary into a pension cuts both Income Tax and National Insurance, and the real net cost.
- [Pension Contribution Calculator](https://webcalculator.co.uk/pension-contribution-calculator): The tax relief and real net cost of a pension contribution, including higher and additional-rate relief.
- [Company Car Tax Calculator](https://webcalculator.co.uk/company-car-tax-calculator): Benefit-in-Kind company car tax from P11D value, CO2 band and tax rate, including low EV rates.
- [Take-Home After Pension Calculator](https://webcalculator.co.uk/take-home-after-pension-calculator): How a workplace pension contribution changes net pay, and its real cost after Income Tax and NI relief, relief-at-source or salary sacrifice.
- [Two Jobs Tax Calculator](https://webcalculator.co.uk/two-jobs-tax-calculator): Combined take-home from two jobs, how the Personal Allowance is split, and the tax and NI on a second job (BR/D0 codes).
- [Overtime Take-Home Calculator](https://webcalculator.co.uk/overtime-take-home-calculator): What overtime really adds after Income Tax and NI at your marginal rate, at time-and-a-half or any multiplier.
- [Student Loan Plan 2 Calculator](https://webcalculator.co.uk/student-loan-plan-2-calculator): Monthly and yearly Plan 2 repayments at 9% of income above the £28,470 threshold for 2026/27.
- [Crypto Tax Calculator UK](https://webcalculator.co.uk/crypto-tax-calculator-uk): Capital Gains Tax on cryptocurrency after the £3,000 allowance, at 18% (basic) and 24% (higher), including swaps as disposals.

## Profession pay calculators
- [NHS Pay Calculator](https://webcalculator.co.uk/nhs-pay-calculator): NHS Agenda for Change band and pay point to take-home, with the tiered NHS pension and High Cost Area Supplement.
- [Teacher Salary Calculator UK](https://webcalculator.co.uk/teacher-salary-calculator-uk): Teacher main/upper pay range and region to net pay, with tiered Teachers' Pension contributions.
- [Junior Doctor Take-Home Calculator](https://webcalculator.co.uk/junior-doctor-take-home-calculator): Resident (junior) doctor nodal grade plus banding/extra hours to take-home, after tax, NI and NHS pension.
- [Police Officer Pay Calculator](https://webcalculator.co.uk/police-officer-pay-calculator): Police rank and pay point (constable to chief inspector) to take-home, with the Police Pension Scheme 2015 contribution.
- [Firefighter Pay Calculator](https://webcalculator.co.uk/firefighter-pay-calculator): Firefighter role from trainee to station manager to net pay, with the Firefighters' Pension Scheme 2015 contribution.
- [Civil Service Pay Calculator](https://webcalculator.co.uk/civil-service-pay-calculator): Civil service grade (AA to SCS) to take-home, with the alpha pension contribution tiered by salary.
- [Armed Forces Pay Calculator](https://webcalculator.co.uk/armed-forces-pay-calculator): Army, RAF and Royal Navy rank to take-home after tax and NI; the AFPS 2015 pension is non-contributory.
- [HGV Driver Pay Calculator](https://webcalculator.co.uk/hgv-driver-pay-calculator): Lorry driver hourly rate, weekly hours and overtime to gross and take-home pay after Income Tax and NI.

## Business & contractor calculators
- [Corporation Tax Calculator](https://webcalculator.co.uk/corporation-tax-calculator): Company Corporation Tax at the 19% small profits and 25% main rates, with marginal relief between £50,000 and £250,000.
- [Contractor Take-Home Calculator](https://webcalculator.co.uk/contractor-take-home-calculator): Limited-company contractor net pay from a day rate using a tax-efficient salary plus dividends (outside IR35).
- [Contractor Day Rate Calculator](https://webcalculator.co.uk/contractor-day-rate-calculator): Convert a day rate into annual turnover, an equivalent permanent salary and estimated take-home (inside or outside IR35).
- [IR35 Take-Home Calculator](https://webcalculator.co.uk/ir35-take-home-calculator): Compare inside-IR35 versus outside-IR35 take-home on the same day rate, showing the cost of your status.
- [Umbrella Company Take-Home Calculator](https://webcalculator.co.uk/umbrella-company-take-home-calculator): Umbrella net pay after the margin, employer NI (15%), the 0.5% Apprenticeship Levy, Income Tax and employee NI.
- [Dividend vs Salary Calculator](https://webcalculator.co.uk/dividend-vs-salary-calculator): The most tax-efficient salary and dividend split for a company director, with Corporation Tax, NI and dividend tax.
- [Freelancer Tax Calculator](https://webcalculator.co.uk/freelancer-tax-calculator): Income Tax, Class 4 NI and the £1,000 trading allowance for freelancers, with a quarterly set-aside figure.
- [VAT Flat Rate Calculator](https://webcalculator.co.uk/vat-flat-rate-calculator): VAT payable under the Flat Rate Scheme, the 1% first-year discount and the 16.5% limited-cost trader rate.

## Property & Money calculators
- [Stamp Duty Calculator](https://webcalculator.co.uk/stamp-duty-calculator): SDLT for England & Northern Ireland with first-time buyer relief and the 5% additional-property surcharge.
- [Mortgage Calculator](https://webcalculator.co.uk/mortgage-calculator): Monthly repayments, total interest and total cost from loan, rate and term.
- [Mortgage Repayment Calculator](https://webcalculator.co.uk/mortgage-repayment-calculator): Monthly repayment plus the time and interest saved by overpaying.
- [VAT Calculator](https://webcalculator.co.uk/vat-calculator): Add or remove 20% (or 5%) VAT — net, VAT and gross amounts.
- [Capital Gains Tax Calculator](https://webcalculator.co.uk/capital-gains-tax-calculator): CGT on shares and property after the £3,000 annual exempt amount, at 18% and 24%.
- [Mortgage Affordability Calculator](https://webcalculator.co.uk/mortgage-affordability-calculator): How much you could borrow using 4–5.5× income multiples, plus the property price your deposit supports.
- [Remortgage Calculator](https://webcalculator.co.uk/remortgage-calculator): Compare your current rate with a new one to see the monthly and total saving over the deal period.
- [Loan to Value Calculator](https://webcalculator.co.uk/loan-to-value-calculator): Your LTV ratio from property price and deposit/mortgage, your equity, and the rate band it falls into.
- [Interest Only Mortgage Calculator](https://webcalculator.co.uk/interest-only-mortgage-calculator): Interest-only monthly cost, the capital still owed at the end, and a side-by-side repayment comparison.
- [Buy to Let Mortgage Calculator](https://webcalculator.co.uk/buy-to-let-mortgage-calculator): BTL interest-only payments, gross and net rental yield, and the lender's interest coverage ratio (ICR).
- [Capital Gains Tax on Property Calculator](https://webcalculator.co.uk/capital-gains-on-property-calculator): CGT on selling a second home or buy-to-let after the £3,000 allowance, at the 18% and 24% residential rates.
- [Rental Yield Calculator](https://webcalculator.co.uk/rental-yield-calculator): Gross and net rental yield on a buy-to-let property from the purchase price, monthly rent and running costs.
- [Second Home Stamp Duty Calculator](https://webcalculator.co.uk/second-home-stamp-duty-calculator): SDLT on a second home or buy-to-let including the 5% additional-property surcharge across all bands.
- [Mortgage Overpayment Calculator](https://webcalculator.co.uk/mortgage-overpayment-calculator): The interest and years saved by overpaying a mortgage each month, and when you'd be mortgage-free.
- [Equity Release Calculator](https://webcalculator.co.uk/equity-release-calculator): Indicative tax-free cash from a lifetime mortgage by age and property value, with roll-up interest projection.
- [Rent vs Buy Calculator](https://webcalculator.co.uk/rent-vs-buy-calculator): Compare monthly rent against the cost of buying — mortgage, maintenance and stamp duty — plus the deposit and SDLT needed upfront.
- [First Time Buyer Stamp Duty Calculator](https://webcalculator.co.uk/stamp-duty-first-time-buyer-calculator): First-time buyer SDLT relief (0% to £300,000, 5% to £500,000) and the saving versus standard rates, England & NI.
- [Mortgage Affordability by Salary Calculator](https://webcalculator.co.uk/mortgage-affordability-by-salary-calculator): How much you could borrow from salary using 4–5× income multiples, your property budget and the monthly payment.
- [P11D Company Car Calculator](https://webcalculator.co.uk/p11d-company-car-calculator): Company car Benefit-in-Kind tax from the P11D value, CO2 BiK band, your tax rate and any private fuel benefit charge.

## Pension, savings & loans
- [Pension Calculator](https://webcalculator.co.uk/pension-calculator): Project a defined-contribution pension pot from contributions, employer match, tax relief and growth.
- [Compound Interest Calculator](https://webcalculator.co.uk/compound-interest-calculator): How a lump sum and regular deposits grow with daily, monthly, quarterly or yearly compounding.
- [Savings Calculator](https://webcalculator.co.uk/savings-calculator): Project a savings goal from a starting balance, monthly deposits and an interest rate, with interest earned shown.
- [ISA Calculator](https://webcalculator.co.uk/isa-calculator): Tax-free ISA growth within the £20,000 annual allowance — cash or stocks & shares.
- [Loan Calculator](https://webcalculator.co.uk/loan-calculator): Monthly repayments, total interest and full cost of any loan from the amount, APR and term.
- [Personal Loan Calculator](https://webcalculator.co.uk/personal-loan-calculator): Repayments and total cost of an unsecured personal loan by amount, APR and term.
- [Car Finance Calculator](https://webcalculator.co.uk/car-finance-calculator): HP and PCP monthly payments, total cost and interest, including an optional balloon payment.
- [Lifetime ISA Calculator](https://webcalculator.co.uk/lifetime-isa-calculator): The 25% government bonus (up to £1,000/year) on Lifetime ISA contributions for a first home or retirement, with growth.
- [Junior ISA Calculator](https://webcalculator.co.uk/junior-isa-calculator): A child's tax-free Junior ISA pot at 18 from monthly contributions within the £9,000 annual allowance.
- [Help to Buy ISA Calculator](https://webcalculator.co.uk/help-to-buy-isa-calculator): The 25% bonus on an existing Help to Buy ISA, minimum £400 and maximum £3,000, towards a first home.
- [Premium Bonds Calculator](https://webcalculator.co.uk/premium-bonds-calculator): Expected tax-free annual winnings from NS&I Premium Bonds at the prize fund rate, versus a savings account.
- [Regular Saver Calculator](https://webcalculator.co.uk/regular-saver-calculator): The real interest on a monthly regular saver — about half the headline rate on the total saved.
- [Fixed Rate Bond Calculator](https://webcalculator.co.uk/fixed-rate-bond-calculator): Interest and maturity value of a fixed-term savings bond, with annual or monthly compounding.
- [Net Worth Calculator](https://webcalculator.co.uk/net-worth-calculator): Total net worth from assets (property, savings, pensions, investments) minus liabilities (mortgage, loans, cards).
- [State Pension Calculator](https://webcalculator.co.uk/state-pension-calculator): New State Pension forecast from qualifying NI years (35 for the full ~£241.30/week), with the value of buying missing years.
- [Annuity Calculator](https://webcalculator.co.uk/annuity-calculator): Turn a pension pot into a guaranteed annual income, with 25% tax-free cash and level, inflation-linked or joint-life options.
- [Pension Drawdown Calculator](https://webcalculator.co.uk/pension-drawdown-calculator): How long a pension pot lasts in flexi-access drawdown, after tax-free cash, a chosen income and assumed investment growth.
- [Rental Income Tax Calculator](https://webcalculator.co.uk/rental-income-tax-calculator): Tax on landlord rental profit at the marginal rate, with the 20% mortgage interest tax credit (Section 24) and the £1,000 property allowance.
- [Pension Lump Sum Tax Calculator](https://webcalculator.co.uk/pension-lump-sum-tax-calculator): The 25% tax-free cash and the Income Tax on a pension lump sum withdrawal, stacked on your other income for the year.
- [High Income Child Benefit Charge Calculator](https://webcalculator.co.uk/high-income-child-benefit-charge-calculator): The HICBC clawback of Child Benefit between £60,000 and £80,000 of adjusted net income, and the net benefit kept.
- [Gift Aid Calculator](https://webcalculator.co.uk/gift-aid-calculator): The 25% a charity reclaims on a donation plus the higher-rate (20%) or additional-rate (25%) relief you can claim back.
- [Savings Interest Tax Calculator](https://webcalculator.co.uk/savings-interest-tax-calculator): Tax on savings interest using the £1,000/£500 Personal Savings Allowance and the £5,000 starting rate for savings.
- [Capital Gains Tax on Shares Calculator](https://webcalculator.co.uk/capital-gains-on-shares-calculator): CGT on shares and funds after the £3,000 allowance, at 18% within the basic-rate band and 24% above it.
- [Salary Sacrifice Pension Calculator](https://webcalculator.co.uk/salary-sacrifice-pension-calculator): The Income Tax and National Insurance saved by sacrificing salary into a pension, and the real net cost to take-home.
- [Bonus Sacrifice Calculator](https://webcalculator.co.uk/bonus-sacrifice-calculator): Cash now versus paying a work bonus into a pension, avoiding Income Tax, NI and student loan — including the £100k taper trap.
- [Take-Home After Student Loan Calculator](https://webcalculator.co.uk/take-home-after-student-loan-calculator): Net pay after Income Tax, NI and a Plan 1, 2, 4, 5 or Postgraduate student loan repayment at 2026/27 thresholds.
- [Net to Gross Salary Calculator](https://webcalculator.co.uk/net-to-gross-salary-calculator): Reverse take-home calculation — the gross salary needed to hit a target net pay after Income Tax and National Insurance.

## Allowances, VAT & business calculators
- [Dividend Allowance Calculator](https://webcalculator.co.uk/dividend-allowance-calculator): How much of your dividends is tax-free under the £500 allowance for 2026/27, the allowance used and remaining, and the tax above it.
- [Personal Savings Allowance Calculator](https://webcalculator.co.uk/personal-savings-allowance-calculator): Your £1,000/£500/£0 Personal Savings Allowance by tax band, the £5,000 starting rate for savings, and the tax on interest above it.
- [Rent a Room Relief Calculator](https://webcalculator.co.uk/rent-a-room-relief-calculator): Tax-free lodger income under the £7,500 Rent a Room allowance (£3,750 if shared), and the tax on income above the threshold.
- [Capital Allowances Calculator](https://webcalculator.co.uk/capital-allowances-calculator): Tax relief on business equipment using the £1m Annual Investment Allowance (100%) or the 18% main-pool writing down allowance.
- [VAT Registration Threshold Calculator](https://webcalculator.co.uk/vat-registration-threshold-calculator): Whether your rolling 12-month taxable turnover crosses the £90,000 VAT registration threshold, your headroom, and the £88,000 deregistration point.
- [VAT Margin Scheme Calculator](https://webcalculator.co.uk/vat-margin-scheme-calculator): VAT due under the margin scheme — one sixth of the profit margin on second-hand goods, used cars, antiques and art.
- [Import VAT & Duty Calculator](https://webcalculator.co.uk/import-vat-and-duty-calculator): Customs duty and 20% import VAT on goods brought into the UK, and the total landed cost including shipping.
- [Take-Home by Tax Code Calculator](https://webcalculator.co.uk/take-home-by-tax-code-calculator): Net pay decoded from your HMRC tax code — 1257L, BR, D0, D1, NT and K codes — after Income Tax and National Insurance.
- [Salary vs Dividend Optimiser](https://webcalculator.co.uk/salary-vs-dividend-optimiser): The most tax-efficient salary and dividend split for a company director, after Corporation Tax, employer NI and dividend tax.

## Pension allowance & more property calculators
- [Pension Annual Allowance Calculator](https://webcalculator.co.uk/pension-annual-allowance-calculator): The £60,000 pension annual allowance, the high-income taper above £260,000 (down to £10,000), and the annual allowance charge on excess contributions.
- [Pension Carry Forward Calculator](https://webcalculator.co.uk/pension-carry-forward-calculator): Unused annual allowance carried forward from the previous three tax years and the total you can contribute this year above £60,000.
- [Cash ISA vs Stocks & Shares ISA Calculator](https://webcalculator.co.uk/cash-isa-vs-stocks-isa-calculator): Compare the projected tax-free value of a Cash ISA against a Stocks & Shares ISA over time, from deposits and expected returns.
- [Buy-to-Let Yield Calculator](https://webcalculator.co.uk/buy-to-let-yield-calculator): Gross yield, net yield, cash-on-cash return and annual profit on a buy-to-let from price, deposit, rent and running costs.
- [Shared Ownership Cost Calculator](https://webcalculator.co.uk/shared-ownership-cost-calculator): Total monthly cost of a shared ownership home — mortgage on the share you buy, rent on the unsold share, and service charge.
- [Second Charge Mortgage Calculator](https://webcalculator.co.uk/second-charge-mortgage-calculator): The monthly repayment, total interest and cost of a second charge (secured) loan that sits behind your main mortgage.
- [Bridging Loan Calculator](https://webcalculator.co.uk/bridging-loan-calculator): Rolled-up monthly interest, arrangement fees and the total cost of short-term bridging finance from amount, monthly rate and term.

## Devolved & import tax calculators (Scotland, Wales, customs)
- [Scottish Income Tax Calculator](https://webcalculator.co.uk/scottish-income-tax-calculator): Income Tax for Scottish taxpayers across all six 2026/27 bands — starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48% — with the £100,000 Personal Allowance taper.
- [Welsh Income Tax Calculator](https://webcalculator.co.uk/welsh-income-tax-calculator): Welsh rates of Income Tax for 2026/27, currently set equal to the rest of the UK (20%/40%/45%), shown band by band with the £100,000 taper, for taxpayers with a 'C' tax code.
- [Scottish Stamp Duty (LBTT) Calculator](https://webcalculator.co.uk/scottish-stamp-duty-lbtt-calculator): Land and Buildings Transaction Tax on Scottish property, with the £145,000 nil-rate band, first-time buyer relief to £175,000, and the 8% Additional Dwelling Supplement on second homes.
- [Customs Duty & Import VAT Calculator](https://webcalculator.co.uk/customs-duty-and-import-vat-calculator): UK customs duty on goods plus shipping and 20% import VAT on the landed value, including the £135 low-value consignment threshold where VAT is collected at checkout.

## More profession pay calculators
- [Train Driver Pay Calculator](https://webcalculator.co.uk/train-driver-pay-calculator): Train driver salary to take-home pay after Income Tax, NI, pension and student loan, with rest-day working and railway pensions explained.
- [Electrician Pay Calculator UK](https://webcalculator.co.uk/electrician-pay-calculator-uk): Employed electrician salary to take-home pay, with notes on JIB rates, self-employment and call-out pay.
- [Plumber Pay Calculator UK](https://webcalculator.co.uk/plumber-pay-calculator-uk): Qualified and gas-registered plumber salary to net pay after tax and NI, with employed vs self-employed guidance.
- [Accountant Salary Calculator UK](https://webcalculator.co.uk/accountant-salary-calculator-uk): Trainee to partner accountant salary to take-home, covering bonuses and the £100,000 Personal Allowance trap.
- [Solicitor Salary Calculator UK](https://webcalculator.co.uk/solicitor-salary-calculator-uk): Newly qualified to partner solicitor salary to take-home pay across high-street, regional and City firms, with the over-£100,000 taper.
- [Paramedic Pay Calculator UK](https://webcalculator.co.uk/paramedic-pay-calculator-uk): NHS Band 5–7 paramedic salary to net pay, with Agenda for Change, unsocial-hours payments and the NHS pension.
- [Apprenticeship Wage Calculator](https://webcalculator.co.uk/apprenticeship-wage-calculator): Minimum legal apprentice pay by age and apprenticeship year using the April 2026 National Minimum Wage rates (apprentice £8.00, 18–20 £10.85, 21+ £12.71).

## Pension & leasehold cost calculators
- [SIPP Tax Relief Calculator](https://webcalculator.co.uk/sipp-tax-relief-calculator): The 20% basic-rate relief added at source to a SIPP contribution plus the extra higher (40%) and additional (45%) rate relief claimed back, and the real net cost.
- [Workplace Pension Auto-Enrolment Calculator](https://webcalculator.co.uk/workplace-pension-auto-enrolment-calculator): Auto-enrolment contributions — 5% employee and 3% employer on qualifying earnings (£6,240–£50,270) — the total invested and the real cost after tax relief.
- [Conveyancing Cost Calculator](https://webcalculator.co.uk/conveyancing-cost-calculator): The solicitor's legal fee plus disbursements (searches, Land Registry, transfer fee, ID checks) for buying or selling a home, freehold or leasehold.
- [Leasehold Extension Cost Calculator](https://webcalculator.co.uk/leasehold-extension-cost-calculator): A guide to the premium to extend a flat's lease, the marriage value risk below 80 years, and the legal and valuation fees on both sides.
- [Service Charge Calculator](https://webcalculator.co.uk/service-charge-calculator): Monthly and annual leasehold service charge and ground rent on a flat, including your percentage share of the building's total budget.

## More profession pay calculators (2026/27)
- [Dentist Pay Calculator UK](https://webcalculator.co.uk/dentist-pay-calculator-uk): NHS and private dentist salary to take-home pay after Income Tax, NI, pension and student loan, with notes on self-employed associates and the NHS pension.
- [Vet Pay Calculator UK](https://webcalculator.co.uk/vet-pay-calculator-uk): Graduate to partner veterinary surgeon salary to net pay, including Plan 2/5 student loans and RCVS fees.
- [Architect Salary Calculator UK](https://webcalculator.co.uk/architect-salary-calculator-uk): Part I assistant to director architect salary to take-home pay across RIBA career stages, with student loan and ARB/RIBA fees.
- [Quantity Surveyor Pay Calculator](https://webcalculator.co.uk/quantity-surveyor-pay-calculator): Assistant to chartered (MRICS) QS and commercial director salary to take-home pay, with consultancy vs contractor notes.
- [HGV Class 1 Pay Calculator](https://webcalculator.co.uk/hgv-class-1-pay-calculator): Class 1 (C+E) driver salary to take-home pay, with night, trunking and the tax-free overnight subsistence allowance explained.
- [Nurse Bank Shift Pay Calculator](https://webcalculator.co.uk/nurse-bank-shift-pay-calculator): The gross and take-home pay of an NHS bank or agency nursing shift, including Agenda for Change unsocial-hours enhancements (+30% / +60%), at your marginal tax rate.

## Property scheme & pension/savings calculators (2026/27)
- [Right to Buy Discount Calculator](https://webcalculator.co.uk/right-to-buy-discount-calculator): Council house/flat discount in England and Northern Ireland by qualifying years and property type, up to the £16,000 (England) / £24,000 (NI) cash cap, and the price you'd pay.
- [Shared Ownership Staircasing Calculator](https://webcalculator.co.uk/shared-ownership-staircasing-calculator): The cost of buying a bigger share of a shared-ownership home at current market value, including valuation and legal fees, plus 1% staircasing on newer leases.
- [Help to Buy Equity Loan Repayment Calculator](https://webcalculator.co.uk/help-to-buy-equity-loan-repayment-calculator): What you owe to repay a Help to Buy equity loan — the same percentage of the home's current value as you borrowed — plus the interest fee that starts after year 5.
- [Pension Tax-Free Lump Sum Calculator](https://webcalculator.co.uk/pension-tax-free-lump-sum-calculator): The 25% tax-free Pension Commencement Lump Sum (PCLS) from a pension pot, capped at the £268,275 Lump Sum Allowance, and the taxable remainder.
- [Defined Benefit Pension Value Calculator](https://webcalculator.co.uk/defined-benefit-pension-value-calculator): The capital value of a final salary or career-average pension using HMRC's ×20 factor or a transfer-style CETV multiple, plus any lump sum.
- [State Pension Top-Up Calculator](https://webcalculator.co.uk/state-pension-top-up-calculator): The cost of buying back missing National Insurance years with voluntary Class 3 (£923.40) or Class 2 (£179.40) contributions, the extra State Pension gained and the breakeven point.
- [Premium Bond Prize Calculator](https://webcalculator.co.uk/premium-bond-prize-calculator): The average tax-free prize money from NS&I Premium Bonds at the prize fund rate (3.60%), and the odds (22,000 to 1 per £1 bond) of winning each month and year.
- [Fixed vs Variable Savings Calculator](https://webcalculator.co.uk/fixed-vs-variable-savings-calculator): Compares a fixed-rate savings bond against a variable easy-access account over a term, allowing for expected rate changes, to show which earns more interest.

## Sources & trust
- Primary sources: HM Revenue & Customs (HMRC) and GOV.UK tax tables and guidance, reviewed at each Budget and Spring Statement.
- All calculators provide estimates for general information only and are not personalised financial, tax or legal advice.
- Contact / operator: Mustafa Bilgic.