Free Financial Calculators for the UK & US
Instant, accurate calculations for mortgages, tax, loans, savings, investments, and more.
🏠 Mortgage & Property
Calculate mortgage repayments, affordability, stamp duty, and more.
Mortgage Calculator
Monthly repayments, amortisation schedule, and LTV analysis
Mortgage Overpayment
Interest saved by making additional payments
Stamp Duty Calculator
Calculate SDLT, LBTT, or LTT by region
Mortgage Affordability
How much can you borrow based on income?
Buy-to-Let Calculator
Rental yield and ROI for investment properties
Remortgage Calculator
Is it worth remortgaging? Calculate the savings.
💳 Loans & Debt
Manage your debts with debt consolidation, loan, and payoff calculators.
Loan Calculator
Monthly payments and total interest for any loan
Credit Card Payoff
How long to pay off your card? See the impact of extra payments.
Debt Snowball Calculator
Snowball vs avalanche methods to become debt-free
Debt Consolidation
Is consolidating your debts worth it?
Car Finance Calculator
HP vs PCP: compare monthly payments and total costs
Business Loan Calculator
Small business loans: APR and monthly repayments
📈 Savings & Investment
Grow your wealth with savings and investment calculators.
Compound Interest
See how your savings grow with interest and contributions
ISA Calculator
Cash ISA and Stocks & Shares ISA projections
Savings Goal Calculator
How long to save for your goal?
Investment Returns
Portfolio growth and fees impact calculator
Pension Calculator
Project your retirement pot and income
Retirement Calculator
How much do you need to retire?
🧾 Tax & Income
Calculate your tax, NI, student loans, and take-home pay.
Income Tax Calculator
2025/26 tax bands, pension, student loan
Take-Home Pay
Annual, monthly, weekly, and hourly breakdowns
National Insurance
Employee, self-employed, and Class 2 NI
Capital Gains Tax
CGT on investments and property sales
Self-Employed Tax
Income tax, Class 2 & 4 NI for sole traders
Salary Sacrifice
Pension contributions and tax savings
📊 Budgeting
Plan your budget and affordability for life's big expenses.
🏢 Business
Business finance, VAT, ROI, and break-even calculators.
💱 Currency & Utilities
Currency conversion, tips, percentages, and inflation adjustments.
Why Use MoneyCounterAI?
100% Accurate
Our calculators use the latest 2025/26 UK tax rates, National Insurance bands, and US tax brackets. We update quarterly.
Completely Free
No hidden fees, no sign-up required, no ads interrupting your calculations. Just instant results you can trust.
UK-Specific
Built for UK users. Covers PAYE, NI, student loans, ISAs, pensions, stamp duty, and more. Plus US federal tax.
Expert Guidance
Every calculator includes detailed explanations, FAQs, and links to official resources so you understand your finances.
Mobile-Friendly
Designed to work perfectly on desktop, tablet, and smartphone. Calculate on the go, anywhere, anytime.
No Registration
Your data stays private. We don't collect personal information, don't store your calculations, and don't sell data.