Explore pounds-based calculators with UK tax-year context, repayment terminology and realistic limitations. HMRC PAYE, mortgage lender fees and pension forecasts are personal matters, so estimates should be cross-checked with official sources.
The 2026/27 take-home pay tool models employee NI and income tax under a standard employment scenario, with a Scotland selector. Your actual tax code, pension salary sacrifice, student loan and payslip period can change the outcome.
Use calculatorUse the repayment tool for regular monthly principal-and-interest cost. Use the separate overpayment calculator to see how maintaining your normal monthly payment while paying extra may shorten a mortgage. It does not automatically compute your lender's annual overpayment allowance or early repayment charge.
Use calculatorPCP may show a low monthly payment while leaving a substantial final balloon if you want to own the car. The PCP page compares that mathematical ownership cost with a conventional no-balloon credit scenario, but cannot reproduce mileage or vehicle-return conditions.
Use calculatorThe pension tool grows personal and employer contributions as an illustrative investment pot. A State Pension forecast depends on your National Insurance history and transitional rules; use GOV.UK for the official personalized forecast.
Use calculatorThe UK salary calculator states the 2026/27 year (6 April 2026–5 April 2027), rather than assuming a calendar year.
No. It models the final balloon if you choose to buy. Return conditions, mileage limits, damage assessments and fees require a lender agreement.
No. It is a contribution-based savings scenario; it does not quote a guaranteed annuity or calculate your State Pension entitlement.
Links to official agencies and guidance are provided for reference; tools here remain independent educational estimates.