UK money calculators for decisions that cross tax years
Compare choices that broad tax, repayment and pension calculators usually separate. Translate relief at source, net pay and salary sacrifice to one gross pension target, audit adjusted net income and Child Benefit charge, check contribution capacity, then connect investing, withdrawals and mortgage decisions using assumptions you can inspect and change.
What are you trying to decide?
Build the investment
Project regular pound-cost averaging and keep ISA and taxable-account assumptions visible.
Build an investment plan →Keep more Child Benefit
Build adjusted net income, compare the higher-earning partner and solve a relief-at-source pension payment without hiding the £200 charge staircase.
Calculate HICBC →Compare pension tax relief
Put one gross pension target through relief at source, net pay and salary sacrifice, then see claims, NI and adjusted-net-income effects separately.
Compare the three methods →Use pension allowances
Calculate 2026/27 annual allowance, taper, MPAA and the carry forward that expires first before planning a contribution.
Check contribution capacity →Use spare mortgage cash
Compare overpaying with investing the same lump sum and monthly budget, including deal-end stress.
Compare the two paths →Pick the calculation you need
Each page states its assumptions, important exclusions and the date its local rules were checked.
Pension tax relief calculator
Compare the same gross pension target, provider addition, further relief, Income Tax, NI, Personal Allowance and entered contribution limits.
Open calculator →High Income Child Benefit Charge calculator
Estimate 2026/27 HICBC, audit pension and Gift Aid gross-up, show the liable higher earner and solve the remaining reduction to £60,000.
Open calculator →Pension salary sacrifice calculator
Compare current 2026/27 cash pay with a successful sacrifice, employer NI sharing, Personal Allowance restoration and annual-allowance use.
Open calculator →Tapered annual allowance and carry forward calculator
Audit three previous tax years, use the oldest allowance first and separate annual-allowance capacity from personal-contribution tax relief.
Open calculator →Mortgage overpayment calculator
Compare the same cash budget, calculate interest and time saved, and test a visitor-owned future-rate scenario.
Open calculator →Pension drawdown calculator
Project flexible pension withdrawals, fees, inflation, pot longevity and a sustainable starting income.
Open calculator →Cash in pension calculator
Separate tax-free cash from taxable pension income and compare taking the same gross amount across one, two or three tax years.
Open calculator →Investment calculator
Project regular investing with editable returns, fees, inflation and ISA or taxable-account treatment.
Open calculator →Investment withdrawal calculator
Model portfolio withdrawals and current CGT band stacking without mixing the result with pension-income rules.
Open calculator →Invest-then-withdraw plan
Carry the accumulation result directly into an editable withdrawal phase and audit the full timeline.
Open calculator →Move from saving to withdrawal or debt decisions without hunting through an unrelated directory.
Calculation stages, assumptions and exclusions stay beside the answer instead of being hidden in fine print.
Share links, CSV and print/PDF work without an account, email address or lead form.
UK guides
UK pension tax relief: relief at source, net pay and salary sacrifice
Translate three different payment methods to one gross pension amount, then check what is automatic, what may need claiming and which limits remain.
UK tapered annual allowance and pension carry forward — 2026/27
A source-backed guide to the £60,000 standard allowance, income taper, three-year carry forward, MPAA and the separate personal-relief limit.
Pension salary sacrifice in the UK: tax, NI and allowance guide
See why the take-home cost changes across tax and NI bands, what employer NI sharing means, and which annual-allowance and pay-floor checks still matter.
High Income Child Benefit Charge: adjusted net income and pension planning
Work through the 2026/27 £60,000–£80,000 taper, the higher-partner test and how pension and Gift Aid gross-up affect adjusted net income.
Should I Overpay My Mortgage or Invest?
A fair UK comparison of interest saved, investment uncertainty, ISA tax treatment, mortgage charges and access to your money.
UK investment withdrawals: ISA, GIA and capital gains tax
See how the account wrapper, pooled cost and your taxable income change what reaches your bank account.
Pound cost averaging in the UK: how monthly investing works
Understand the monthly-investing maths, test a plan in pounds and separate a useful routine from a guaranteed-return claim.