Every GovMath calculator
100 live, more on the way. Jump to a category below or scroll to browse the lot.
Tax & Salary
Income Tax, NI, payslips, statutory pay.
- tax-and-salary
Salary & Take-Home Calculator
See exactly what lands in your bank after Income Tax, NI and pension.
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Tax Bracket Checker
See your Income Tax band by band and what a pay rise actually costs.
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Pro Rata Salary Calculator
Convert a full-time salary to part-time hours.
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Hourly to Salary Converter
Turn an hourly rate into an annual gross figure.
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Emergency Tax Calculator
Estimate refunds from BR / K / 0T tax codes.
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Bonus Tax Calculator
See what a one-off bonus is really worth after tax.
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Overtime Calculator
Work out time-and-a-half and double-shift pay.
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Tax Code Decoder
What does 1257L, BR or NT actually mean on your payslip?
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National Insurance Calculator
Class 1, 2 and 4 NI — explained without the jargon.
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Scottish Income Tax Calculator
The six-band Scottish system, calculated cleanly.
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P45 & P60 Explainer
Field-by-field breakdown of your payroll documents.
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Statutory Sick Pay (SSP)
Check your minimum SSP entitlement.
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Redundancy Pay Calculator
Statutory pay based on age and length of service.
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Holiday Entitlement Calculator
Statutory holiday days, pro-rated for any working pattern.
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Minimum Wage Checker
Are you being paid at least the current UK minimum?
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Mortgages & Property
Stamp Duty, mortgages, rent, council tax.
- property
Stamp Duty (England & NI)
SDLT on your next home, including the additional-property surcharge.
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LBTT (Scotland)
Scottish Land and Buildings Transaction Tax, by band.
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LTT (Wales)
Welsh Land Transaction Tax for residential purchases.
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First-Time Buyer Calculator
Stamp Duty relief and zero-tax thresholds.
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Buy-to-Let Yield Calculator
Gross and net yields on rental investments.
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Mortgage Repayment Calculator
Monthly payments, interest vs capital, over the full term.
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Mortgage Overpayment Calculator
How much time and interest can you save?
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Mortgage Affordability
How much could a UK lender offer you?
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Rent vs Buy Calculator
Compare years of rent against a mortgage and house growth.
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Shared Ownership Calculator
Mortgage + rent on the share you don't own.
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Property Capital Gains Tax
CGT on a second home or sold investment property.
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Council Tax Bands Lookup
Find your band and typical bill by postcode.
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Single Person Council Tax Discount
Apply the 25% solo-occupant rebate.
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Rent a Room Scheme
How much can you earn tax-free from a lodger?
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Moving House Budget
Surveys, legal fees, removals — the full picture.
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Freelance & Business
Self-employed tax, VAT, IR35, corporation tax.
- business
Sole Trader Tax Calculator
Self-employed Income Tax + Class 2 / 4 NI.
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Corporation Tax Calculator
Small and main rate, with marginal relief.
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Dividend vs Salary Optimiser
Find the tax-efficient split for company directors.
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VAT Calculator
Add or remove VAT at 20%, 5% or 0% — instantly.
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Flat Rate VAT Calculator
Compare standard vs flat-rate VAT for your trade.
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CIS Deduction Calculator
Construction Industry Scheme net pay after deductions.
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IR35 Take-Home Calculator
Inside vs outside IR35 contractor income.
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Business Mileage Calculator
HMRC-approved mileage rates for cars and bikes.
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Allowable Expenses Checker
Quick check on what's actually deductible.
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Employer NI Calculator
True cost of hiring including secondary Class 1.
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Gross Profit Margin
Margins, markups and break-even from your numbers.
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Retail Markup Calculator
Hit a target price or margin from a cost.
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Break-Even Calculator
Find your business break-even volume.
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Small Business Rates Relief
Check business-rates eligibility by rateable value.
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Payment on Account Estimator
Predict your Self-Assessment January and July bills.
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Pensions & Investing
Pensions, ISAs, compound interest, capital gains.
- investing
Compound Interest Calculator
Project investment growth over years and decades.
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ISA vs GIA Comparison
How much tax does an ISA actually save?
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Capital Gains Tax (Assets)
CGT on shares and other assets above the allowance.
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Dividend Tax Calculator
Tax on dividends beyond the allowance.
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Workplace Pension Calculator
Employer + employee auto-enrolment contributions.
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Pension Tax Relief Calculator
How much tax relief you actually get back.
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State Pension Age Lookup
When can you claim your State Pension?
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Inflation Impact Calculator
What your savings are really worth in 10 years.
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FIRE Calculator
When could you retire early? Uses the 4% rule.
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Premium Bonds Return
Expected vs guaranteed savings returns.
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Family & Benefits
Universal Credit, Child Benefit, parental pay, PIP.
- benefits
Universal Credit Estimator
Estimate your monthly Universal Credit award.
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UC Earnings Taper Calculator
How much UC you lose for every £ you earn.
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Child Benefit Calculator
Weekly Child Benefit by number of children.
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High Income Child Benefit Charge
Clawback above £60,000 — explained.
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Maternity Pay Calculator
SMP across the 39-week period.
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Paternity Pay Calculator
Statutory paternity pay entitlement.
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Shared Parental Leave
Split leave and pay between two parents.
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Tax-Free Childcare Calculator
Up to £2,000/year per child top-up — see your match.
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Free Childcare Hours Checker
15 or 30 free hours — eligibility by age and income.
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PIP Points Self-Check
Daily living + mobility scores against thresholds.
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Carer's Allowance Earnings Check
Stay within the weekly limit to keep your claim.
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Pension Credit Estimator
Top-up for low-income pensioners.
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Attendance Allowance
Help with care costs for over-65s.
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Benefit Cap Checker
Is your household above the cumulative cap?
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Local Housing Allowance
LHA rates by property size and region.
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Vehicles & Transport
Car tax, EV salary sacrifice, fuel, clean-air zones.
- vehicles
Car Tax (VED) Calculator
Annual road tax by emissions and list price.
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Company Car Benefit-in-Kind
BIK tax on a company vehicle.
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EV Salary Sacrifice
Net cost of an electric car through your payroll.
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Fuel Cost per Journey
Cost of a trip from distance, MPG and fuel price.
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Petrol vs EV Running Cost
Compare per-mile costs of petrol, diesel and EV.
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Commuter Cost Comparison
Rail season ticket vs driving the same route.
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Clean Air Zone Charge
Daily charges in ULEZ, CAZ and similar schemes.
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MOT History Checker
Look up MOT history via the DVSA service.
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Driving Licence at 70
What to do when your licence needs renewing.
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SORN Declaration
Take your vehicle off the road, the right way.
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Students
Student loans (Plans 1–5), maintenance, council tax.
- students
Plan 1 Student Loan Calculator
Pre-2012 loan repayments.
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Plan 2 Student Loan Calculator
Post-2012 loan repayments.
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Plan 4 Student Loan Calculator
Scottish student loan repayments.
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Plan 5 Student Loan Calculator
Post-2023 loans with the 40-year write-off.
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Postgraduate Loan Calculator
Repayments on a Master's or Doctoral loan.
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Maintenance Loan Estimator
Support based on household income.
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Student Council Tax Exemption
Who counts as a full-time student — and who doesn't.
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Everyday Life
Percentages, dates, inheritance, NHS, bank holidays.
- life
Percentage Calculator
Add, subtract or compare percentages — fast.
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Days Between Dates
Calendar days between any two dates.
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Timesheet Decimal Converter
Convert hh:mm worked into decimal hours.
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Pro-Rata Rent Calculator
Daily rent for a broken move-in month.
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Inheritance Tax Calculator
IHT on an estate, with the nil-rate band.
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Probate Fees Calculator
Application costs based on the estate.
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Care Home Means Test
Will the state cover any of your care costs?
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NHS Prescription Saver
Is a Prepayment Certificate cheaper for you?
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BMI Calculator (NHS)
Your BMI against NHS healthy-weight bands.
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Healthy Start Vouchers
Eligibility for free vouchers and vitamins.
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Bank Holidays Calculator
Working days excluding bank holidays in your region.
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Right to Rent Checker
Documents landlords must check.
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Power of Attorney Fees
Application fees and process overview.
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