Free tools that answer
real money questions
Quick, plain-English calculators built for UK small business owners. Estimates in seconds, no email address required.
Tax & Take-Home
What you actually keep, after tax, NI and dividends.
Salary & Dividend Calculator
The most tax-efficient way to pay yourself from a limited company, in numbers.
LiveDividend Tax Calculator
Work out dividend tax due on top of your other income, band by band.
LiveTake-Home Pay Calculator
Full band walk on a straight salary, including student loan and pension.
LiveThe 60% Tax Trap Visualiser
See your real marginal rate between £100,000 and £125,140, and how to fix it.
LiveMarriage Allowance Checker
See if you're eligible to transfer allowance to your partner, and what it saves.
Business & Cash Flow
Pricing, VAT and the numbers that keep a business running.
Instant Quote Builder
Answer a few questions and get an indicative monthly fee for your business.
LiveDay Rate Calculator
Work backwards from your target income to the day rate you need to charge.
LiveVAT Scheme Comparer
Standard vs flat rate vs staying unregistered, compared on your numbers.
LiveBreak-Even Calculator
The units and revenue you need each month before you turn a profit.
LiveCash Runway Calculator
How many months your current cash lasts at today's burn rate.
LiveLate Invoice Interest Calculator
Statutory interest and compensation owed on an overdue commercial invoice.
LiveMargin & Markup Calculator
Convert between cost, price, margin and markup in one place.
LiveVAT Registration Quiz
Four quick questions to see whether you must, should, or shouldn't register.
Payroll & Employment
The real cost of employing people, and what comes out of pay.
Employee Cost Calculator
Salary, employer NI, pension and benefits, the full cost of an employee.
LiveSalary Sacrifice Calculator
See the tax and NI saving from sacrificing salary into a pension.
LiveStudent Loan Repayment Calculator
Monthly repayment, years to clear, and total repaid on your plan.
LiveCompany Car vs EV Calculator
Compare benefit-in-kind tax on a petrol car against an electric one.
Personal & Household
Property, rental income and the taxes that come with them.
Property Capital Gains Tax Calculator
Gain, exempt amount and CGT due on a residential property sale.
LiveSection 24 Mortgage Interest Calculator
What the loss of mortgage interest relief actually costs a landlord.
LiveChild Benefit Charge Calculator
See your High Income Child Benefit Charge and how to keep it all.
Wealth & Growth
Illustrations only, not predictions or recommendations.
Director Pension vs Dividend Calculator
Compare pension contributions against drawing and investing dividends.
LiveCompound Return Calculator
See how contributions and growth combine over time.
LiveRetained Profit Planner
Draw dividends now or spread them across tax years, compared.
Deadlines & Decisions
What's due, when, and what missing it costs.
Tax Deadline Dashboard
Live countdowns to your next Self Assessment, VAT, accounts and CT dates.
LivePayments on Account Forecaster
See what HMRC will ask you to prepay in January and July.
LiveLate Filing Penalty Calculator
Behind on a return? See what the delay is costing and what filing today saves.
LiveCorporation Tax Calculator
Estimate your company's corporation tax bill, including marginal relief.
Frequently asked questions
Are these tax calculators actually free?
Yes, every tool on this page is free to use, with no sign-up or email required. We built them to give small business owners quick, indicative answers, not to sell your data.
How accurate are the figures these tools give?
Each calculator uses current 2026/27 UK tax rates and thresholds from a single source we keep updated. They give a solid illustration for planning purposes, but your actual position depends on your full circumstances, they are not a substitute for advice.
Do I need to be a Claritax client to use these tools?
No, anyone can use them, whether you're a client, considering switching accountants, or just want a quick answer to a tax question.
Which calculator should I start with?
It depends on your situation. Sole traders and contractors often start with the take-home pay or day rate calculator, limited company directors with the salary and dividend calculator, and anyone unsure about VAT with the VAT registration quiz.
Can these tools replace an accountant?
No, they're designed to give you a fast, informed starting point, not personalised advice. For anything that affects a real filing or decision, book a free consultation and we'll work through your actual numbers.
Numbers looking complicated?
A calculator gives you an estimate. A free call gives you a plan. Book one and we'll work through your actual situation.