Do the maths before the big decisions
Four free calculators for life and work in the UK: what you'll take home, what the NHS really pays, what a mortgage costs, and where your money goes each month. No sign-up, nothing to download.
Type your salary and see what you'll actually take home after tax, National Insurance, pension and student loan. Any job, anywhere in the UK.
Open the calculator → NHS pay calculatorAgenda for Change bands with unsocial hours, overtime, bank shifts and London weighting. Built by an NHS nurse and checked against real payslips.
Open the calculator → Mortgage calculatorYour monthly payment, total interest, stamp duty and the cash you need up front, in plain English.
Open the calculator → Budget plannerSee where every pound goes each month, including what you send home, and what's left to save. Saves on your device.
Open the calculator →For sending money and boxes home
Good to know
Are the calculators free?
Yes. They're free to use with no sign-up, and nothing you type is sent anywhere.
Which tax year do they use?
The pay and mortgage calculators use 2026/27 rates and are updated each April when the new figures come in.
Are the results exact?
They're close estimates for planning. Your payslip, lender or HMRC has the final word, especially if your tax code is unusual.
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