Money Tools
← HomeFree, accurate calculators for the 2026/27 UK tax year. Model the number that matters, then read the guide that explains it. Kept up to date whenever the rules change.
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High-Earner Tax Optimiser
Models the 60% trap and the Child Benefit charge together and finds the single pension contribution that escapes them.
Open tool →Take-Home Pay Calculator
Your monthly and annual net salary after tax, NI, pension and student loan.
Open tool →Self Assessment Tax Bill Calculator
What you actually have to pay on 31 January, including the payment on account that catches most people out the first time.
Open tool →Dividend vs Salary Calculator
For company directors: what you keep from profit taken as salary vs dividends.
Open tool →Optimal Salary and Dividend Split
The exact salary to take from your limited company, and how much to leave as dividends, with corporation tax marginal relief and employer National Insurance modelled.
Open tool →60% Tax Trap Calculator
See the punishing marginal rate between £100k and £125k, and the exact pension contribution that escapes it.
Open tool →Salary Sacrifice Calculator
How much tax and National Insurance you save by sacrificing salary into your pension, and the real cost to your take-home.
Open tool →Bonus Tax Calculator
What you'll actually keep from a bonus after income tax, NI and any student loan, and how a pension diversion changes it.
Open tool →Compound Interest Calculator
What regular investing grows to, and how much of the final pot charges quietly take.
Open tool →Savings Interest and Tax Calculator
What your savings actually pay after the personal savings allowance and the starting rate.
Open tool →Every UK Salary After Tax
Instant take-home pay for 86 salaries from £15,000 to £250,000, yearly, monthly and weekly.
Browse salaries →Free Guide
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