mytakehome.money

Every tool · 2026/27

All calculators

Free, fast and updated for the 2026/27 tax year. No sign-up, nothing stored on our servers.

Take-home pay Your salary after tax, NI, student loan and pension — plus budget, tax code and salary-sacrifice tools. Universal Credit Your full UC award including the abolished two-child limit — plus whether working more hours actually pays. Stamp duty calculator SDLT for England & NI — first-time buyer relief, the 5% surcharge, band by band. Pension calculator Project your pot, the income it buys, and whether you’re on track. DLA calculator Disability Living Allowance for children — care and mobility rates, and what they unlock. PIP calculator Personal Independence Payment rates, weekly and 4-weekly. Attendance Allowance Rates for State Pension age and over — hugely under-claimed. How much do I need? Salary for a £300k house, what you could borrow on £50k, rent you can afford — both ways round. Money personality quiz Ten questions on how you really handle money. Shareable. Hourly wage Turn an hourly rate and your hours into real annual and monthly take-home. Handles overtime. Required salary Work backwards: name the take-home you want, see the salary you need. Compare two salaries Weighing up a job offer? See the true monthly difference side by side. Pro-rata / part-time Changing your hours? See what reduced hours actually pay. Two jobs What a second job really adds once tax and National Insurance are done. Maternity & sick pay Statutory maternity pay across all 39 weeks, and statutory sick pay. Mortgage repayment Monthly cost, total interest, and what a rate rise would do. Debt payoff When you would be debt free — and whether consolidating is cheaper.