All calculators
All 155 free calculators on SumAtlas: for the UK, for the US, and everyday sums that work anywhere. Search from the top of the page, or jump to a topic.
United Kingdom
20 TOOLS
Tax & salary
Understand your payslip and what you take home.
Salary & Take-Home
See exactly what lands in your bank after Income Tax, NI and pension.
Open calculatorTax Bracket Checker
See your Income Tax band by band and what a pay rise actually costs.
Open calculatorPro Rata Salary
Convert a full-time salary to part-time hours.
Open calculatorHourly to Salary Converter
Turn an hourly rate into an annual gross figure.
Open calculatorEmergency Tax
Estimate refunds from BR / K / 0T tax codes.
Open calculatorBonus Tax
See what a one-off bonus is really worth after tax.
Open calculatorOvertime
Work out time-and-a-half and double-shift pay.
Open calculatorTax Code Decoder
What does 1257L, BR or NT actually mean on your payslip?
Open calculatorNational Insurance
Class 1, 2 and 4 NI — explained without the jargon.
Open calculatorScottish Income Tax
The six-band Scottish system, calculated cleanly.
Open calculatorP45 & P60 Explainer
Field-by-field breakdown of your payroll documents.
Open calculatorStatutory Sick Pay (SSP)
Check your minimum SSP entitlement.
Open calculatorRedundancy Pay
Statutory pay based on age and length of service.
Open calculatorHoliday Entitlement
Statutory holiday days, pro-rated for any working pattern.
Open calculatorMinimum Wage Checker
Are you being paid at least the current UK minimum?
Open calculatorIR35 Take-Home
Inside vs outside IR35 contractor income.
Open calculatorReverse Take-Home
The salary you need for the take-home pay you want.
Open calculatorPay Rise
What a pay rise adds to your take-home after tax.
Open calculatorSalary Sacrifice
What a pension, bike or other sacrifice really costs.
Open calculatorMarriage Allowance
Transfer £1,260 of allowance and save up to £252 a year.
Open calculator19 TOOLS
Mortgages & property
Plan the cost of buying, owning or renting a home.
Stamp Duty (England & NI)
SDLT on your next home, including the additional-property surcharge.
Open calculatorLBTT (Scotland)
Scottish Land and Buildings Transaction Tax, by band.
Open calculatorLTT (Wales)
Welsh Land Transaction Tax for residential purchases.
Open calculatorFirst-Time Buyer
Stamp Duty relief and zero-tax thresholds.
Open calculatorBuy-to-Let Yield
Gross and net yields on rental investments.
Open calculatorMortgage Repayment
Monthly payments, interest vs capital, over the full term.
Open calculatorMortgage Overpayment
How much time and interest can you save?
Open calculatorMortgage Affordability
How much could a UK lender offer you?
Open calculatorRent vs Buy
Compare years of rent against a mortgage and house growth.
Open calculatorShared Ownership
Mortgage + rent on the share you don't own.
Open calculatorProperty Capital Gains Tax
CGT on a second home or sold investment property.
Open calculatorCouncil Tax Bands Lookup
Find your band and typical bill by postcode.
Open calculatorSingle Person Council Tax Discount
Apply the 25% solo-occupant rebate.
Open calculatorRent a Room Scheme
How much can you earn tax-free from a lodger?
Open calculatorMoving House Budget
Surveys, legal fees, removals — the full picture.
Open calculatorRent Increase Checker
Is your rent rise legal, and what will it cost you?
Open calculatorTenancy Deposit Return
The deposit cap, fair deductions and what you should get back.
Open calculatorRemortgage
What a new deal saves after fees and charges.
Open calculatorEarly Repayment Charge
Your mortgage ERC, free overpayments and when to switch.
Open calculator16 TOOLS
Freelance & business
Make sense of business taxes, income and costs.
Sole Trader Tax
Self-employed Income Tax and Class 4 NI.
Open calculatorCorporation Tax
Small and main rate, with marginal relief.
Open calculatorDividend vs Salary Optimiser
Find the tax-efficient split for company directors.
Open calculatorVAT
Add or remove VAT at 20%, 5% or 0% — instantly.
Open calculatorFlat Rate VAT
Compare standard vs flat-rate VAT for your trade.
Open calculatorCIS Deduction
Construction Industry Scheme net pay after deductions.
Open calculatorBusiness Mileage
HMRC-approved mileage rates for cars and bikes.
Open calculatorAllowable Expenses Checker
Quick check on what's actually deductible.
Open calculatorEmployer NI
True cost of hiring including secondary Class 1.
Open calculatorGross Profit Margin
Margins, markups and break-even from your numbers.
Open calculatorRetail Markup
Hit a target price or margin from a cost.
Open calculatorBreak-Even
Find your business break-even volume.
Open calculatorSmall Business Rates Relief
Check business-rates eligibility by rateable value.
Open calculatorPayment on Account Estimator
Predict your Self-Assessment January and July bills.
Open calculatorVAT Threshold Checker
Rolling turnover against the £90,000 threshold.
Open calculatorFreelancer Day Rate
The day rate you need for the take-home you want.
Open calculator15 TOOLS
Pensions & investing
Explore your savings, investments and retirement.
Compound Interest
Project investment growth over years and decades.
Open calculatorISA vs GIA Comparison
How much tax does an ISA actually save?
Open calculatorCapital Gains Tax (Assets)
CGT on shares and other assets above the allowance.
Open calculatorDividend Tax
Tax on dividends beyond the allowance.
Open calculatorWorkplace Pension
Employer + employee auto-enrolment contributions.
Open calculatorPension Tax Relief
How much tax relief you actually get back.
Open calculatorState Pension Age Lookup
When can you claim your State Pension?
Open calculatorInflation Impact
What your savings are really worth in 10 years.
Open calculatorFIRE
When could you retire early? Uses the 4% rule.
Open calculatorSavings Interest
Fixed vs easy-access savings, compared after tax.
Open calculatorPersonal Savings Allowance
How much tax you pay on savings interest.
Open calculatorJunior ISA
What saving for a child could grow to by 18.
Open calculatorPension Drawdown
How long your pension pot lasts in drawdown.
Open calculatorAnnuity
The guaranteed income your pension pot could buy.
Open calculatorPremium Bonds Return
Expected vs guaranteed savings returns.
Open calculator25 TOOLS
Family & benefits
Check support for your family and everyday life.
Universal Credit Estimator
Estimate your monthly Universal Credit award.
Open calculatorUC Earnings Taper
How much UC you lose for every £ you earn.
Open calculatorChild Benefit
Weekly Child Benefit by number of children.
Open calculatorHigh Income Child Benefit Charge
Clawback above £60,000 — explained.
Open calculatorMaternity Pay
SMP across the 39-week period.
Open calculatorPaternity Pay
Statutory paternity pay entitlement.
Open calculatorShared Parental Leave
Split leave and pay between two parents.
Open calculatorTax-Free Childcare
Up to £2,000/year per child top-up — see your match.
Open calculatorFree Childcare Hours Checker
15 or 30 free hours — eligibility by age and income.
Open calculatorPIP Points Self-Check
Daily living + mobility scores against thresholds.
Open calculatorCarer's Allowance Earnings Check
Stay within the weekly limit to keep your claim.
Open calculatorPension Credit Estimator
Top-up for low-income pensioners.
Open calculatorAttendance Allowance
Help with care costs for over-65s.
Open calculatorBenefit Cap Checker
Is your household above the cumulative cap?
Open calculatorLocal Housing Allowance
LHA rates by property size and region.
Open calculatorHousing Benefit
Weekly help with rent for pensioners and supported housing.
Open calculatorCouncil Tax Reduction
Means-tested help with your council tax bill.
Open calculatorBenefits Eligibility Checker
See which benefits you are likely to get, in one go.
Open calculatorNew Style JSA
Jobseeker's Allowance from your National Insurance record.
Open calculatorNew Style ESA
Employment and Support Allowance if illness limits work.
Open calculatorChild Maintenance
What the Child Maintenance Service formula says is due.
Open calculatorChildcare Costs
What childcare costs after funded hours and top-ups.
Open calculatorAdoption Pay
Statutory Adoption Pay week by week.
Open calculatorSure Start Maternity Grant
The £500 grant, or Scotland's Best Start Grant.
Open calculatorUC Advance Repayment
What a Universal Credit advance takes from each payment.
Open calculator11 TOOLS
Vehicles & transport
Work out the cost of your car and your commute.
Car Tax (VED)
Annual road tax by emissions and list price.
Open calculatorCompany Car Benefit-in-Kind
BIK tax on a company vehicle.
Open calculatorEV Salary Sacrifice
Net cost of an electric car through your payroll.
Open calculatorFuel Cost per Journey
Cost of a trip from distance, MPG and fuel price.
Open calculatorPetrol vs EV Running Cost
Compare per-mile costs of petrol, diesel and EV.
Open calculatorCommuter Cost Comparison
Rail season ticket vs driving the same route.
Open calculatorClean Air Zone Charge
Daily charges in ULEZ, CAZ and similar schemes.
Open calculatorMOT History Checker
Look up MOT history via the DVSA service.
Open calculatorDriving Licence at 70
What to do when your licence needs renewing.
Open calculatorSORN Declaration
Take your vehicle off the road, the right way.
Open calculatorCar Finance
PCP and hire purchase payments and total cost.
Open calculator11 TOOLS
Students & education
Understand student finance and loan repayments.
Plan 1 Student Loan
Pre-2012 loan repayments.
Open calculatorPlan 2 Student Loan
Post-2012 loan repayments.
Open calculatorPlan 4 Student Loan
Scottish student loan repayments.
Open calculatorPlan 5 Student Loan
Post-2023 loans with the 40-year write-off.
Open calculatorPostgraduate Loan
Repayments on a Master's or Doctoral loan.
Open calculatorMaintenance Loan Estimator
Support based on household income.
Open calculatorCost of a Degree
Fees, loans, interest and what you will really repay.
Open calculatorSAAS Funding
Scottish bursary and student loan by household income.
Open calculatorWelsh Student Finance
Learning Grant and Maintenance Loan for Welsh students.
Open calculatorStudent Budget
Will your loan cover rent and living costs?
Open calculatorStudent Council Tax Exemption
Who counts as a full-time student — and who doesn't.
Open calculator10 TOOLS
Everyday life
Useful calculations for the things life brings.
Days Between Dates
Calendar and working days between two dates, with UK bank holidays.
Open calculatorPro-Rata Rent
Daily rent for a broken move-in month.
Open calculatorInheritance Tax
IHT on an estate, with the nil-rate band.
Open calculatorProbate Fees
Application costs based on the estate.
Open calculatorCare Home Means Test
Will the state cover any of your care costs?
Open calculatorNHS Prescription Saver
Is a Prepayment Certificate cheaper for you?
Open calculatorHealthy Start Vouchers
Eligibility for free vouchers and vitamins.
Open calculatorBank Holidays
Working days excluding bank holidays in your region.
Open calculatorRight to Rent Checker
Documents landlords must check.
Open calculatorPower of Attorney Fees
Application fees and process overview.
Open calculatorUnited States
9 TOOLS
Taxes & Paycheck
Paycheck, federal income tax, self-employment and capital gains.
Paycheck
Take-home pay after federal tax, Social Security, Medicare and state tax.
Open calculatorFederal Income Tax
Your 2026 federal income tax, refund or balance due.
Open calculatorTax Bracket
Your 2026 bracket, marginal and effective tax rates.
Open calculatorSelf-Employment Tax
Social Security and Medicare on 1099 and freelance income.
Open calculatorCapital Gains Tax
Tax on stocks, crypto and property you sell at a gain.
Open calculatorSalary to Hourly
Convert between salary, hourly, weekly and monthly pay.
Open calculatorOvertime Pay
Time-and-a-half pay and the new overtime deduction.
Open calculatorSales Tax
Add or remove sales tax, with every state's rate.
Open calculatorTip
The tip and each person's share of the bill.
Open calculator4 TOOLS
Mortgages & Housing
Mortgage payments, affordability, refinancing and rent.
Mortgage
Monthly payment with property tax, insurance, PMI and HOA.
Open calculatorHome Affordability
How much house you can afford on your income.
Open calculatorRefinance
Monthly savings, closing costs and the break-even point.
Open calculatorRent Affordability
How much rent you can afford on your income.
Open calculator6 TOOLS
Loans & Debt
Auto loans, personal loans, credit cards and student loans.
Auto Loan
Car payment with sales tax, fees, trade-in and down payment.
Open calculatorLoan
Payment and total interest on a personal or any fixed loan.
Open calculatorCredit Card Payoff
How long to clear a card and the interest it costs.
Open calculatorStudent Loan
Monthly payment, payoff date and the cost of paying extra.
Open calculatorDebt-to-Income Ratio
Your DTI as lenders see it, front-end and back-end.
Open calculatorDebt Payoff
Snowball vs avalanche: which clears your debts sooner.
Open calculator6 TOOLS
Savings & Retirement
401(k), Roth IRA, compound interest, CDs and savings goals.
401(k)
Your 401(k) at retirement with the 2026 limits and employer match.
Open calculatorRoth IRA
Tax-free growth, the 2026 limit and income phase-out.
Open calculatorRetirement
Are you on track, and how much to save each month?
Open calculatorCompound Interest
How savings and investments grow with monthly deposits.
Open calculatorCD
Interest and maturity value on a certificate of deposit.
Open calculatorSavings Goal
How much to save each month to reach your goal.
Open calculatorEverywhere
3 TOOLS
Everyday Calculators
Percentages, BMI and timesheet hours.