Free personal finance calculators for the UK and Australia.
Work out your take-home pay, tax, mortgage, super and more, with clear numbers you can trust. Plus tools to cancel subscriptions and catch hidden charges. No signup, no fees. Browse by category below.
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Cancel & Manage
Find, cancel and take control of recurring payments.
Guide
Cancel Any SubscriptionFind your subscriptions automatically, then cancel them. Search 320+ services with direct cancel links and pro tips.Guide
Cancel Bundled SubscriptionsStep-by-step cancellation guides for subscriptions billed through carriers, app stores, and streaming bundles.Quiz
Subscription Audit QuizFind forgotten subscriptions with a 2-minute audit quiz. Most people underestimate recurring charges by 2-3x.Generators
Ready-to-send emails and letters in a couple of clicks.
Generator
Chargeback Email GeneratorGenerate ready-to-send chargeback request emails to your bank or card provider for disputed subscription charges.Generator
Pause Email GeneratorCreate professional pause request emails to temporarily freeze gym memberships, magazines, and more.Generator
Cancel Letter GeneratorGenerate ready-to-send cancellation emails for subscriptions that require email or support contact.Budgeting & Savings
Plan, project and make sense of your money.
Calculator🇦🇺 AU
Superannuation CalculatorEstimate your super balance at retirement from your salary and current balance, in today's dollars. 12% Super Guarantee.Calculator
Compound Interest CalculatorSee how your savings grow with monthly contributions and compound interest, or work out what to save to hit a goal.Calculator
How Long Will My Money Last?See how many years and months your savings last in retirement, with inflation, investment returns and pension income built in.Calculator
Net Worth CalculatorAdd up what you own, subtract what you owe, and see your net worth in one number, with an indicative benchmark for your age.Calculator
Coast FIRE CalculatorFind your Coast FIRE number and see if you can stop saving and still retire on time. Works in USD, GBP, AUD, EUR and CAD.Calculator
Bill Split CalculatorSplit a shared subscription, family plan or bill fairly between people. See the cost per person and how much you save vs paying alone.Calculator
Mortgage Overpayment CalculatorSee how much interest you'd save and how many years you'd knock off your mortgage by overpaying each month or with a lump sum.Calculator
Debt Payoff CalculatorAdd your debts and one extra payment, then compare the snowball and avalanche methods side by side: months to debt-free, payoff date and total interest.Calculator
Emergency Fund CalculatorWork out how much to save for emergencies: your target from months of essential expenses, the gap, and how long it takes to reach it. 3, 6 or 12 months, any currency.Calculator
Sinking Fund CalculatorAdd the costs you can see coming, Christmas, car service, insurance, holidays, and see what to set aside each month for each goal, plus the total to budget.Calculator
50/30/20 Budget CalculatorSplit your take-home pay into needs, wants and savings the 50/30/20 way, then compare it with what you actually spend.Calculator
Monthly vs Annual CalculatorCompare monthly vs annual pricing, see your potential savings, and factor in promo discounts.Calculator🇦🇺 AU
Mortgage Repayment Calculator (AU)Work out your home loan repayments monthly, fortnightly or weekly, plus the total interest over the life of the loan. Principal & interest or interest-only.Calculator🇦🇺 AU
Fuel Cost Calculator (AU)Work out the petrol or diesel cost of any trip from distance, fuel use and pump price. See cost per km, plus weekly and yearly commute totals.Calculator🇬🇧 UK
Car Finance Calculator (UK)Work out your monthly car finance payment on HP or PCP, with total interest, total payable and the PCP balloon payment. UK APR, no signup.Calculator🇦🇺 AU
Personal Loan Calculator (AU)Work out personal loan repayments weekly, fortnightly or monthly, plus total interest and the true cost once fees are added.Calculator🇬🇧 UK
Loan Repayment Calculator (UK)Work out the repayments on any UK loan, personal, car or consolidation. See your monthly or weekly repayment, total interest and a year-by-year breakdown.Calculator🇦🇺 AU
Rental Yield Calculator (AU)Work out gross and net rental yield on an investment property from its value, rent and running costs. Itemise or enter a total.Calculator🇬🇧 UK
Rental Yield Calculator (UK)Enter a property value and the rent to get the gross and net rental yield, annual rent and net income. Running costs included.Calculator🇬🇧 UK
Mortgage Repayment Calculator (UK)Work out your monthly UK mortgage payments, total interest and total cost. Repayment or interest-only, from a loan amount or property price and deposit.Calculator🇬🇧 UK
Interest-Only Mortgage CalculatorWork out your monthly interest-only payment, the total interest over the term, and the capital still owed at the end. Compare it with a repayment mortgage.Calculator🇬🇧 UK
Loan to Value Calculator (UK)Work out your LTV from your property value and deposit or loan. See your equity in pounds and per cent, and which lender rate band you fall in.Calculator🇬🇧 UK
ISA CalculatorProject your tax-free ISA growth. Enter contributions, expected return and years to see what your Stocks & Shares or Cash ISA could be worth.Calculator🇦🇺 AU
LVR Calculator (AU)Work out your loan-to-value ratio from your property value and deposit or loan amount. See your equity and whether you cross the 80% LMI line.Calculator🇦🇺 AU
Borrowing Power Calculator (AU)Estimate how much you can borrow for a home loan. Model your income, expenses and debts, and see how the APRA +3% serviceability buffer cuts your borrowing power.Calculator🇦🇺 AU
Offset Account Calculator (AU)See how much interest an offset account saves over the life of your home loan, and how many years sooner you clear it. Add a monthly top-up to model the effect.Calculator🇦🇺 AU
Home Equity Calculator (AU)Work out your total equity and your usable equity from your property value and loan balance. See how much you can borrow against your home before LMI.Calculator
Profit Margin CalculatorWork out gross profit, gross margin, markup and net margin from your revenue and cost, in any currency. Margin vs markup explained.Calculator🇦🇺 AU
Car Loan Calculator (AU)Work out car loan repayments weekly, fortnightly or monthly, with total interest, total cost and an optional balloon payment.Calculator🇦🇺 AU
Refinance Calculator (AU)See your new repayment, monthly saving, total interest saved and the break-even point after switching costs when you refinance your home loan. Free, AUD.Calculator🇬🇧 UK
Rent Affordability Calculator (UK)Work out how much rent you can afford from your take-home pay using the common affordability rules, and what you need to earn to rent at a given price.Calculator🇦🇺 AU
Rent Affordability Calculator (AU)Work out the weekly rent you can afford in Australia from your gross income using the 30% rental stress rule, and the income a given rent needs.Calculator🇦🇺 AU
Term Deposit CalculatorWork out the interest and maturity value on an Australian term deposit. Set your amount, rate and term, choose how interest is paid, and toggle reinvesting.Calculator🇦🇺 AU
House Deposit Calculator (AU)See the deposit you need at 5%, 10% and 20% of the price, the gap to your target, and how long it takes to save it.Calculator🇦🇺 AU
Comparison Rate Calculator (AU)Fold the advertised rate plus upfront and ongoing fees into one comparison rate, so you can compare loans on their true cost.Pay & Tax
Work out what actually lands in your account.
Calculator🇬🇧 UK
National Insurance Calculator (UK)Work out your UK National Insurance, Class 1 if employed or Class 4 if self-employed, per year, month and week, with the band breakdown. 2026/27 rates.Calculator🇬🇧 UK
Take-Home Pay Calculator (UK)See your UK net salary after income tax, National Insurance, student loan and pension, per year, month or week. 2026/27 rates.Calculator🇦🇺 AU
Take-Home Pay Calculator (AU)See your net pay after income tax, Medicare levy, HECS/HELP and super, weekly, fortnightly, monthly or yearly. 2026–27 rates.Calculator🇦🇺 AU
Tax Refund Calculator (AU)Estimate your ATO tax refund. See how income, deductions and HECS affect what you get back. 2025–26 rates.Calculator🇦🇺 AU
GST Calculator (AU)Add 10% GST to a price or work out the GST already inside a total, instantly. Australia's flat 10% rate.Calculator🇦🇺 AU
HECS Repayment CalculatorWork out your HECS/HELP repayment under the new marginal system: annual, fortnightly and years to clear. 2025–26 & 2026–27.Calculator🇬🇧 UK
Salary Sacrifice Calculator (UK)See the income tax and National Insurance you save by sacrificing salary into your pension, and what lands in your pot.Calculator🇬🇧 UK
Capital Gains Tax Calculator (UK)Work out your UK CGT on property, shares or crypto for 2026–27. See the 18% and 24% split and what's left after tax.Calculator🇬🇧 UK
VAT Calculator (UK)Add or remove VAT at 20%, 5% or a custom rate, and work out the VAT inside any gross total. Instant net, VAT and gross figures.Calculator🇬🇧 UK
Dividend Tax Calculator (UK)Work out the tax on your dividends for 2026/27. Enter your salary and dividends to see the tax, effective rate and take-home.Calculator🇬🇧 UK
Maternity Pay Calculator (UK)See your statutory maternity pay across all 39 weeks, plus enhanced employer schemes and the monthly figure. 2026-27 rate.Calculator🇬🇧 UK
Pro Rata Salary Calculator (UK)Work out your pro rata salary from a full-time wage by hours or days, with pro rata holiday entitlement alongside.Calculator🇦🇺 AU
Capital Gains Tax Calculator (AU)Work out CGT on property, shares or crypto for 2026-27, with the 50% discount and your marginal rate applied.Calculator🇦🇺 AU
Long Service Leave CalculatorWork out your long service leave entitlement and its value. Pick your state, enter your service and pay. All 8 states and territories.Calculator🇬🇧 UK
Redundancy Pay Calculator (UK)Work out your UK statutory redundancy pay using the 2026 rates: age bands, the 20-year cap and the £751 weekly limit.Calculator🇦🇺 AU
Salary Sacrifice Calculator (AU)See what salary sacrificing into super does to your tax, your take-home pay and your concessional cap headroom.Calculator
Overtime Pay CalculatorWork out overtime pay in any currency: enter your rate, hours and multiplier (1.5x or 2x) for regular, overtime and total pay.Calculator🇬🇧 UK
Corporation Tax CalculatorWork out your limited company's corporation tax for 2026, including marginal relief, effective rate and profit after tax.Calculator🇬🇧 UK
Self Employed TaxWork out your income tax and Class 4 National Insurance as a UK sole trader for 2026/27, with the tax to set aside and your profit after tax.Calculator🇬🇧 UK
Inheritance TaxEstimate UK inheritance tax for 2026/27: enter the estate, home, and spouse transfer to see IHT due and what beneficiaries keep.Calculator🇦🇺 AU
ABN Tax CalculatorWork out how much tax to set aside on your ABN income for 2026-27. A sole trader and contractor tax calculator for Australia.Calculator🇦🇺 AU
Payroll Tax CalculatorWork out employer payroll tax in any state: NSW, VIC, QLD, WA, SA, TAS, NT and ACT. Enter your total Australian wages to see the threshold, rate and tax payable.Calculator🇦🇺 AU
Medicare Levy CalculatorWork out your Medicare levy and Medicare levy surcharge, with low-income reductions and hospital-cover rules.Calculator🇦🇺 AU
Luxury Car Tax (LCT)Work out the LCT on a car for 2026-27 from its GST-inclusive price, with the fuel-efficient and other-vehicle thresholds.Calculator🇦🇺 AU
Paid Parental LeaveEstimate your government Parental Leave Pay for 2026-27: total pay, weekly amount, weeks available and the income test.Calculator🇦🇺 AU
Franking CreditsWork out your franking credit, grossed-up dividend and whether you owe tax or get a refund, for 2026-27.Calculator🇦🇺 AU
Notice & Redundancy (AU)Work out your notice period, pay in lieu of notice and NES redundancy pay from your service, age and weekly pay. Australian rates.Calculator🇦🇺 AU
Division 293 CalculatorSee if you're over the $250,000 threshold and what the extra 15% Division 293 tax on your super contributions costs.Calculator🇦🇺 AU
First Home Owner Grant (AU)See the First Home Owner Grant and first-home stamp duty concession you'd get in your state: NSW, VIC, QLD, WA, SA, TAS, NT and ACT.Calculator🇦🇺 AU
Rego Calculator (AU)Estimate your car rego by state: NSW, QLD, VIC, WA, SA, TAS and NT. See the registration fee, vehicle tax and CTP, broken down. 2026 figures.Calculator🇬🇧 UK
Student Loan Calculator (UK)Enter your salary and plan to see your annual and monthly student loan repayment. Plans 1, 2, 4, 5 and Postgraduate.Calculator🇬🇧 UK
Council Tax Calculator (UK)Estimate your council tax bill by nation and band. Apply the 25% single person discount and see the band multiplier for England, Scotland and Wales.Calculator🇦🇺 AU
Novated Lease Calculator (AU)See what a novated lease saves you in tax and GST, and why an eligible electric car under the LCT threshold is exempt from FBT.Calculator🇦🇺 AU
Negative Gearing Calculator (AU)Work out your rental loss, the tax it saves, and the real weekly cost to hold an investment property for 2026-27.Calculator🇦🇺 AU
Stamp Duty Calculator (AU)Work out transfer (stamp) duty on a property purchase in any state: NSW, VIC, QLD, WA, SA, TAS, NT and ACT. First home buyer concessions built in.Calculator🇬🇧 UK
Stamp Duty Calculator (UK)Work out stamp duty on a UK property purchase. First-time buyer, home mover and second-home rates for England, N. Ireland, Scotland and Wales (SDLT, LBTT, LTT).Calculator🇬🇧 UK
Rental Income TaxWork out the tax on your UK rental income for 2026/27, including the 20% mortgage interest credit under Section 24, your taxable profit and take-home.Calculator🇦🇺 AU
Land Tax Calculator (AU)Work out annual land tax in any state: NSW, VIC, QLD, WA, SA, TAS and ACT. Your home is exempt; land tax mainly hits investment and second properties.Calculator🇬🇧 UK
Holiday Entitlement Calculator (UK)Work out your statutory holiday entitlement in the UK for full-time, part-time, starters, leavers or irregular hours. 5.6 weeks, capped at 28 days.Calculator🇬🇧 UK
Pension Calculator (UK)Project your UK pension pot to retirement in today's money, then see your 25% tax-free lump sum, drawdown income and State Pension top-up. 2026/27 figures.Calculator🇦🇺 AU
Annual Leave Calculator (AU)Work out how much annual leave you've accrued and what it's worth. Enter hours, service and pay, with a 17.5% leave loading toggle.Calculator🇬🇧 UK
Bonus Tax Calculator (UK)Work out the income tax and National Insurance on your UK bonus, your net bonus and effective rate, including the £100k trap. 2026/27 rates.Calculator🇦🇺 AU
Bonus Tax Calculator (AU)See how much tax you'll pay on a bonus or commission and what you keep, using 2026-27 ATO marginal rates.Calculator🇬🇧 UK
Salary Increase Calculator (UK)Enter your current salary and a pay rise, as a percentage or a new salary, to see your net gain after tax and NI, per year and per month. 2026/27 rates.Calculator🇦🇺 AU
Salary Packaging Calculator (AU)See your salary packaging tax saving if you work for a hospital, charity or not-for-profit. Cap, tax saved and take-home boost.Calculator🇦🇺 AU
Depreciation Calculator (AU)Work out ATO depreciation on an asset by prime cost or diminishing value, with a full year-by-year schedule. Both methods, no signup.Calculator🇬🇧 UK
Statutory Sick Pay Calculator (UK)Work out statutory sick pay under the 2026/27 rules: £123.25 a week, paid from day one, for up to 28 weeks. Enter your working days and days off sick.Calculator🇦🇺 AU
FHSS Calculator (AU)Work out how much you can release under the First Home Super Saver scheme, the tax on release, and how far ahead you would be vs a normal savings account.Calculator🇦🇺 AU
WFH Tax Calculator (AU)Work out your ATO fixed-rate work-from-home deduction (70c/hr) and the tax it saves. 2025-26 rates.Calculator🇬🇧 UK
Child Maintenance (UK)Estimate child maintenance under the CMS formula from gross income, number of children, overnight stays and other children.Calculator🇦🇺 AU
Family Tax Benefit CalculatorEstimate your FTB Part A and Part B for 2026-27 by fortnight and year, using current Services Australia rates and income tests.Calculator🇦🇺 AU
Child Care SubsidyEstimate your Child Care Subsidy for 2026-27: your CCS percentage, the subsidised amount and your out-of-pocket cost per fortnight.Calculator🇬🇧 UK
Company Car Tax Calculator (UK)Work out the benefit-in-kind on your company car. Enter P11D value, CO2 emissions, fuel type and tax band to see the BIK rate and what you pay a year and a month. 2025/26 rates.Calculator🇬🇧 UK
Holiday Pay Calculator (UK)Work out UK holiday pay for irregular or variable hours. The 52-week average method and rolled-up holiday pay at 12.07%, with worked examples.Calculator🇬🇧 UK
Late Payment InterestWork out statutory interest and fixed compensation on an overdue commercial invoice, and the total you can claim under the Late Payment Act 1998.Calculator🇬🇧 UK
Pension Lump Sum Tax Calculator (UK)Work out the tax on a UK pension lump sum. See your 25% tax-free amount, the taxable part, the income tax due with a band breakdown, and what you keep. 2026/27 rates.Calculator🇬🇧 UK
Marriage Allowance Calculator (UK)Check if you can claim Marriage Allowance and how much you'll save, up to £252 a year. Enter both incomes for an instant eligibility check. 2026/27.Calculator🇦🇺 AU
Cents Per Km CalculatorWork out your ATO cents per km car expense deduction at 88c per km for 2025-26, capped at 5,000 business kilometres, plus the tax it saves.Calculator🇦🇺 AU
Super Co-Contribution Calculator (AU)Work out your government super co-contribution for 2025-26. Enter your income and after-tax contribution to see the up-to-$500 top-up.Calculator🇬🇧 UK
Tax Rebate Calculator (UK)Estimate the income tax you can reclaim from HMRC: emergency tax codes, a mid-year job change, uniform, working-from-home and Marriage Allowance reliefs. 2026/27.Calculator
Salary to Hourly CalculatorConvert an annual salary to an hourly rate in any currency, and back. Enter a yearly, monthly, weekly or hourly figure to see all five (gross).Calculator🇬🇧 UK
Second Job Tax CalculatorSee how much tax you pay on a second job: the BR or D0 tax code, the tax on the second job's pay, and the National Insurance charged on each job separately. 2026/27 rates.Calculator🇬🇧 UK
Emergency Tax Calculator (UK)See how much emergency tax is deducted on a Month 1 or Week 1 code, the tax actually due, and the overpayment you can reclaim. Models the pension lump sum case. 2026/27.Calculator🇦🇺 AU
Instant Asset Write-Off CalculatorCheck if your asset is under the $20,000 threshold, then see the immediate deduction and the tax it saves. Australia, small business.Calculator🇬🇧 UK
Employers NI Calculator (UK)Work out your employer's National Insurance at 15% above £5,000, the Employment Allowance effect and the true cost of hiring someone. 2026/27 rates.Calculator🇬🇧 UK
Tax Code Checker (UK)Enter your tax code (like 1257L, BR, K475 or 1257L M1) to see what it means, your tax-free allowance, whether it looks standard, emergency or wrong, and the tax it takes. 2026/27.Calculator🇬🇧 UK
Shared Parental Leave Calculator (UK)Split maternity leave and pay between both parents. See SPL weeks available, Shared Parental Pay per parent and the total. 2026-27 rate.Calculator🇬🇧 UK
CIS Tax RefundEstimate the tax refund you are owed as a UK CIS subcontractor for 2026/27. Enter your gross CIS income, 20% or 30% deduction and expenses to see the refund.Calculator🇦🇺 AU
Super Guarantee Calculator (AU)Work out the Super Guarantee your employer must pay: 12% of ordinary time earnings, per week, quarter and year for 2025-26 and 2026-27.Calculator🇬🇧 UK
Minimum Wage Calculator (UK)Work out the UK National Minimum and Living Wage from April 2026 by age band. See your minimum weekly, monthly and annual pay, and check if your pay is below the minimum.Calculator🇦🇺 AU
LITO Calculator (AU)See the low income tax offset you get for 2025-26, up to $700, and how much it cuts your income tax. Non-refundable, applied automatically.Calculator🇦🇺 AU
FBT Calculator (AU)Work out Fringe Benefits Tax on a benefit. Enter the taxable value, pick type 1 or type 2, and see the grossed-up value, FBT payable at 47% and the reportable amount.Calculator🇬🇧 UK
Pension Annual AllowanceWork out your UK pension annual allowance, including the high-earner taper, the MPAA and carry forward from your last 3 years, plus any annual allowance charge.Calculator🇬🇧 UK
Mileage Allowance CalculatorWork out your tax-free business mileage claim at HMRC approved rates, plus the Mileage Allowance Relief you can reclaim if your employer pays less.Checker🇬🇧 UK
Council Tax Refund Checker (UK)Check if you are owed a council tax refund. Answer a few questions on the single person discount, disregarded occupants, credit after moving, a wrong band and empty-home exemptions.Deals
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