Free Financial Tools
Tax calculators and financial planning tools for the 2026/27 UK tax year. Free, instant, no sign-up needed.
2026/27 tax year
HMRC rates
No sign-up
100% free
All tools use official HMRC 2026/27 tax rates and thresholds. Results are calculated live in your browser — we don’t store any data you enter. Built by a CeFA-qualified financial professional.
Salary Sacrifice Calculator
Calculate exactly how much salary sacrifice saves you in tax and NI. See the real impact on your take-home pay for any sacrifice amount.
- Pension, Cycle to Work, EV lease, childcare
- Before & after comparison table
- Student loan plans 1, 2, 4, 5
- Custom pension scheme types
IR35 Calculator
Compare your exact take-home pay outside IR35 (Ltd company), inside IR35 (deemed employee), and via an umbrella company. See the real difference.
- Outside IR35 Ltd with salary & dividends
- Inside IR35 deemed employee calculation
- Umbrella company comparison
- Corporation tax with marginal relief
NHS Pay Calculator 2026/27
Calculate your exact NHS take-home pay for every Agenda for Change band and spine point. Includes all deductions.
- All AfC bands 2–9 with spine points
- London weighting (Inner, Outer, Fringe)
- NHS pension tiers with opt-out comparison
- Part-time pro-rata and student loans
Teacher Pay Calculator 2026/27
Calculate your exact teacher take-home pay for every pay scale and point. Main, upper and leadership scales with all deductions.
- Main (M1–M6), Upper (U1–U3) & Leadership (L1–L43)
- TLR payments and SEN allowance
- London weighting (Inner, Outer, Fringe)
- TPS pension tiers with opt-out comparison
Coming Soon
More calculators on the way
We’re building a full suite of UK financial tools. Want one of these sooner? Let us know.
🚔
Police Pay Calculator Soon
All ranks from PC to Chief Super with overtime and allowances.
🏛️
State Pension Calculator Soon
Estimate your state pension based on NI record and qualifying years.
🏠
Mortgage Affordability Soon
How much can you borrow? Stress-tested against current UK rates.
Want these calculations automatically tracked?
earmarkIQ connects to your bank via Open Banking and automatically tracks your salary, deductions, and spending. See exactly where your money goes each month and get personalised AI insights.
Join the Waitlist — FreeMore from earmarkIQ
Explore our salary guides, profession-specific budgeting advice, and app comparisons to make smarter financial decisions.