Most online calculators think in dollars and American tax rules, not much use when your quote is in pounds and your client just said "plus VAT". This page is built around British reality instead: VAT at 20%, repayment mortgages, PAYE deductions, stamp duty. Every tool is free, needs no sign up, and answers as you type.

VAT follows you through the whole day, the builder's invoice, the freelancer's quote, the receipt from the till. The standard rate is 20%, with 5% on things like domestic energy and children's car seats. The practical question is always directional: add VAT onto a net price, or strip it out of a gross one to see what you can reclaim. Our vat calculator uk does both in seconds, enter the figure either way and read off the VAT element and the total. No spreadsheet required.

For the biggest bill of your life, the structure matters. Nearly every UK mortgage is a repayment mortgage now: each payment covers the month's interest and eats a little of the capital, so after 25 years you owe nothing. Interest only, paying just the interest and hoping something else clears the capital, has all but vanished. Our mortgage calculator uk lets you test the levers that count: loan size, interest rate and term, side by side. Try the same £250,000 loan at 4.5% and 5.5% and see what a single point does to the monthly figure, that's the number worth knowing before you talk to a lender.

The salary on the job advert is fiction until PAYE takes its cut. Income tax and National Insurance come off before you see a penny, and pension contributions or a student loan can bite again, so £38,000 on paper can feel very different in the bank. A UK take home pay calculator works backwards from the gross figure to the monthly reality, which is the only honest basis for budgeting rent and bills. It's also the only fair way to compare two offers: the bigger headline doesn't always win.

Before you sign a personal loan, check the number the headline hides: the total repayable. APR rolls the interest rate and most fees into one yearly figure, so offers can be compared like for like, and the comparison often surprises. A longer term shrinks the monthly payment but inflates the total; the cheap looking deal can be the expensive one. Our loan calculator uk shows the monthly figure, the interest total and the grand total together, so nothing hides.

The small sums deserve honesty too. Split a restaurant bill evenly or by what each person actually ordered, cost a decorating job in square metres before you buy the first tin of paint, or get a quick read on your health with a BMI calculator using feet, inches and pounds. None of it is glamorous. All of it beats guessing on a Sunday afternoon.

And when the house hunt gets serious, budget the tax alongside the deposit: buyers in England and Northern Ireland pay Stamp Duty Land Tax on the purchase, with Scotland and Wales running their own versions. It has a habit of surprising first time buyers at exactly the wrong moment. Everything here is free, works on your phone, and needs no sign up, check a VAT figure on the train or a mortgage payment from the sofa, with numbers that update as you type.

Frequently asked questions

What is the standard VAT rate in the UK?

The standard VAT rate in the UK is 20%, and it applies to most goods and services. A reduced rate of 5% covers things like domestic fuel and power and children's car seats, while some items are zero rated or exempt altogether. If you're VAT registered you charge VAT on top of your net prices, and our calculator adds or removes either rate in one step.

How does a repayment mortgage work in the UK?

With a repayment (capital and interest) mortgage, each monthly payment covers that month's interest plus a slice of the borrowed capital, so the balance steadily falls to zero by the end of the term, typically 25 years. An interest only mortgage only covers the interest, leaving the full capital to be repaid separately at the end, which is why lenders treat it as higher risk. Our calculator shows your likely monthly repayment for any loan amount, rate and term.

How is UK take home pay calculated from my salary?

Your employer deducts income tax and National Insurance through PAYE before paying you, and pension contributions or student loan repayments may come off too. What's left is your take home (net) pay, which is what actually reaches your bank account each month. Because tax bands and allowances change over time, treat any figure as an estimate, but it's close enough for budgeting and comparing job offers.

What is APR on a UK personal loan?

APR stands for Annual Percentage Rate, and it rolls the interest rate plus most compulsory fees into a single yearly figure so you can compare loans like for like. A lower APR generally means a cheaper loan, but always check the total repayable too, a longer term can mean lower monthly payments yet more paid overall. Our loan calculator shows both, so you can see the full picture before you commit.

Do I pay Stamp Duty when buying a house in the UK?

In England and Northern Ireland, buyers pay Stamp Duty Land Tax on property purchases above the current threshold, with Scotland and Wales running their own equivalents. First time buyers have historically benefited from relief or higher thresholds, though the exact rules change from time to time. Always check the current position before you budget, and factor the tax in alongside your deposit and fees.

Should I quote prices with or without VAT as a UK freelancer?

If you're VAT registered, quotes to UK customers should normally show VAT separately or as a VAT inclusive total, so the client knows exactly what they'll pay. If you're not registered, you simply don't charge VAT and your price is the final price. Either way, being explicit avoids awkward conversations later, and a quick VAT calculation takes seconds.

Free UK Calculators: VAT, Mortgage & More

Free UK Calculators: VAT, Mortgages, Take Home Pay and Everyday Sums