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Free UK Finance Tools & Calculators 2026
Free, browser-based tax, mortgage, savings and PDF tools for UK users. No sign-up, no data stored, no paywall — updated for the 2026/27 tax year.
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1 toolUK Tax Calculators
5 toolsPAYE take-home pay after tax, NI and student loan for 2026/27.
Add or remove UK VAT at 20%, 5% or zero rate instantly.
Sole trader income tax, Class 2 and Class 4 National Insurance for 2026/27.
CGT on property, shares and crypto with the 2026/27 allowance.
SDLT for England and Northern Ireland, including first-time buyer relief.
Mortgage & Property
3 toolsSavings & Investment
3 toolsWork & Employment
3 toolsFamily & Benefits
2 toolsPDF Tools
10 toolsConvert PDF to editable .docx.
Convert .docx to PDF instantly.
Combine multiple PDFs into one.
Reduce PDF file size.
Extract pages from a PDF.
Convert photos to PDF.
Extract PDF pages as images.
Fix PDF page orientation.
NEWAdd password protection to a PDF.
Stamp watermark text on PDF pages.
Image Tools
5 toolsSpreadsheet & Data
5 tools- Updated for UK 2026/27 tax year — HMRC rates, thresholds and April 2026 reforms (SSP, Employment Rights Act 2025)
- Files never leave your device — PDF and image tools run 100% in your browser
- No sign-up, no account, no data collected
- Free forever — supported by ads, not user fees
Frequently Asked Questions
Yes. All UK finance calculators use HMRC rates, thresholds and reliefs for the 2026/27 tax year, including Income Tax bands, National Insurance rates, Capital Gains Tax allowance, Stamp Duty Land Tax rates, SSP changes from 6 April 2026, and Autumn Budget 2025 measures. Figures are updated when HMRC or BoE changes rates.
No. All PDF and image tools run entirely in your browser — your files never leave your device. Nothing is uploaded, stored or transmitted to any server. Safe for confidential documents.
No. Every tool on this page works without registration, account or email. Just click the tool and use it.
No. Our calculators and guides are for informational purposes only and do not constitute financial, legal or tax advice. Always check with HMRC, a qualified accountant, or an FCA-authorised adviser before making financial decisions.
Finance calculators are reviewed when HMRC publishes new rates (typically each tax year at the Budget and Spring Statement). Rate changes since Autumn Budget 2025 — including April 2026 SSP reform — are already reflected.
Income Tax calculators support both the rest-UK and Scottish rate systems. Stamp Duty covers England and Northern Ireland only (for Scotland use LBTT, for Wales use LTT — separate calculators coming soon).
Looking for something specific? Browse our full UK finance guides for detailed how-tos on tax, savings, mortgages, pensions and insurance.
Browse all UK Money Guides →