ukdesk / tools
The tool index.
90 live calculators and checkers across 13 areas, verified against GOV.UK, HMRC and ONS. No sign-up.
⌘K
90 live
- Mortgage CalculatorRepayment · amortisation · interest
- Mortgage AffordabilityHow much can I borrow? + stress test
- Overpayment CalculatorInterest & years saved
- Remortgage CalculatorSaving vs fees · break-even
- LTV CalculatorLoan-to-value & rate band
- Stamp Duty (SDLT)2025/26 rates · FTB · surcharges
- House Buying CostsTotal cash needed to buy
- Deposit CalculatorHow much & how long to save
- Buy vs RentNet worth over time + break-even
- Home EquityWhat you own + release
- Property Value GrowthProject value over time
- Rental YieldGross/net yield · ICR · ROI
- Buy-to-LetSection 24 · SPV · ICR
- Personal LoanRepayment · interest · APR
- Car FinancePCP vs HP vs loan
- Loan APRTrue cost of borrowing
- Loan Comparison2 to 3 loans side by side
- Credit Card PayoffMonths + interest to clear
- Debt ConsolidationOne payment vs many
- Debt Payoff PlannerSnowball vs avalanche
- Balance Transfer0% deal vs fee · break-even
- Loan Affordability (DTI)How much can you borrow?
- Early RepaymentInterest saved + settlement
- Pension CalculatorPot at retirement + income
- Pension DrawdownHow long will it last?
- State PensionForecast from NI years
- Compound InterestSavings growth over time
- ISA CalculatorTax-free growth · £20k
- Lifetime ISA25% government bonus
- Annuity CalculatorPot → guaranteed incomesoon
- SIPP CalculatorContributions + tax reliefsoon
- Savings GoalHow much / how longsoon
- Pension Tax ReliefHigher-rate reliefsoon
- Take-home PaySalary after tax, NI & SL
- National InsuranceClass 1 / 4 breakdown
- Salary SacrificePension tax & NI saving
- Bonus TaxTax on a bonus
- Payslip AuditorCheck tax & tax code
- Self-Employed TaxSelf Assessment + Class 4
- Contractor & IR35Ltd vs PAYE vs umbrella
- Dividend TaxSalary + dividends
- Marriage AllowanceTransfer £1,260 · save £252
- Child Benefit ChargeHICBC £60k, £80k
- Student Loan9% repayment by plan
- Capital Gains Tax£3,000 AEA · 18%/24%
- Inheritance TaxNRB £325k + RNRB £175k
- Side-Hustle TaxTrading allowance · 2nd jobsoon