Precise calculators and calmly-written guides for UK mortgages, tax, pensions and savings — built with British rigour, German engineering and Japanese restraint.
Calculate monthly payments, total interest, and affordability for UK mortgages.
Avg. monthly · £300k @ 5.5%
Total interest · 25-yr term
Estimate income tax, National Insurance, and take-home pay for UK taxpayers.
Plan your savings goals with compound interest calculations for UK accounts.
Calculate stamp duty land tax for UK property purchases.
UK calculators live — mortgages, tax, savings, stamp duty
Explainer articles in the resource library
Current UK tax year coverage — updated as HMRC releases figures
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Scotland charges LBTT, not stamp duty: 0% to £145,000, then 2–12%. First-time buyers get relief to £175,000; second homes pay 8% ADS. Worked examples.
Read the full pieceScotland charges LBTT, not stamp duty: 0% to £145,000, then 2–12%. First-time buyers get relief to £175,000; second homes pay 8% ADS. Worked examples.
Wales charges LTT, not stamp duty: 0% to £225,000, then 6–12%. No first-time buyer relief; additional properties pay 5–17%. Worked examples and tables.
Bank Rate stands at 3.75% (BoE IADB, effective 28 July 2026). A decision-by-decision log of MPC votes, the gilt-sales programme, and what a hold or a cut changes on a monthly mortgage payment.
Month-by-month log of UK house price readings: £270,000 average and 3.8% annual growth in April 2026 (HM Land Registry), 2.7% to May 2026 (ONS UK HPI), and the Lloyds index's 0.2% June rise.
HMRC projections put 7.7 million people in the 40% higher-rate band and 1.3 million in the 45% additional-rate band for 2026/27 — both up by about a third since 2023/24. What the thresholds mean for your take-home pay.
The complete UK allowance stack — ISA £20,000, LISA £4,000 + 25% bonus, Marriage £1,260, savings interest, dividends £500, CGT £3,000, Child Benefit taper, pensions £60,000, and the two £1,000 side-income allowances — each explained with a full guide.
Calculate stamp duty on UK property purchases with our free calculator. Updated for the post-1 April 2025 SDLT thresholds (£125k standard, £300k first-time buyer) and the 5% additional-property surcharge.
Calculate your UK take-home pay for 2026/27. Personal allowance £12,570, NI 8%/2%, student loan thresholds updated for the new tax year. Worked examples from £20k to £150k.
Complete UK income tax guide for 2025/26 with updated Scottish bands. Calculate tax on £25k-£150k salaries, understand the 60% tax trap, and compare England vs Scotland.
The complete UK allowance stack — ISA £20,000, LISA £4,000 + 25% bonus, Marriage £1,260, savings interest, dividends £500, CGT £3,000, Child Benefit taper, pensions £60,000, and the two £1,000 side-income allowances — each explained with a full guide.