From payslip
to house keys.
18 precise calculators that follow one chain of decisions: what you really take home, what you can afford, and what it will cost. Rules sourced from HMRC, Revenue Scotland and the Welsh Revenue Authority. Your numbers never leave your browser.
After £4,486 Income Tax and £1,794 NI a year
Income & tax
What you really take home, before you decide anything else.
Take-home pay
Salary after Income Tax, NI, student loan and pension — monthly, weekly and hourly.
Open calculator →Hourly ↔ salary
Convert hourly pay to annual salary, add overtime bands and check the minimum wage.
Open calculator →Required salary
Work backwards from the take-home pay you want to the salary you need, after tax, NI and loans.
Open calculator →Pro-rata salary
Pro-rata pay and holiday for part-time hours, fewer days or part of a year — with take-home.
Open calculator →Self-employed tax
Income Tax, Class 4 NI, payments on account and how much to set aside each month.
Open calculator →Pay rise & job offers
How much of a raise you keep, and which job offer is really worth more.
Open calculator →Maternity, paternity & sick pay
Statutory Maternity, Paternity and Sick Pay week by week, and the drop from your normal pay.
Open calculator →Home buying
What you can borrow, what it costs and how to pay it off faster.
Mortgage affordability
Borrowing range by income multiple and by real monthly affordability, with a stress test.
Open calculator →Mortgage repayments
Monthly payment, fixed-then-reversion rates and a full month-by-month schedule.
Open calculator →Mortgage overpayments
Interest saved and years cut by monthly, annual or lump-sum overpayments — with ERC checks.
Open calculator →Remortgage
Compare up to three deals including fees, cashback and early repayment charges.
Open calculator →Stamp duty
England, Northern Ireland, Scotland and Wales, with first-time buyer relief and surcharges.
Open calculator →Rent vs buy
Net wealth year by year if you rent and invest versus buy — every assumption visible.
Open calculator →Everyday money
Clear debts, finance a car and grow your savings with confidence.
Debt payoff planner
Your debt-free date and the interest each strategy costs, month by month.
Open calculator →Car finance
Monthly payments and the total cost of PCP, hire purchase and a personal loan.
Open calculator →Savings & compound interest
Grow a lump sum and regular saving, compare ISA vs taxable, and hit a target date.
Open calculator →Pension pot
Project your pension pot with tax relief, employer match, growth and fees, then the income it could pay.
Open calculator →Budget planner
Split your real take-home pay into needs, wants and savings with the 50/30/20 rule or your own split.
Open calculator →Popular salaries, fully broken down
Understand the numbers
Debt Avalanche vs Snowball: Which Pays Off Debt Faster?
How the avalanche and snowball debt repayment methods work, which costs less interest, which is easier to stick to, and how to build a payoff plan in the UK.
Read guide →Early Repayment Charges (ERCs): How They Work and How to Avoid Them
What mortgage early repayment charges are, typical ERC percentages, the 10% overpayment allowance, porting, and when it's worth paying an ERC to switch.
Read guide →Fixed vs Tracker Mortgage: Which Is Right for You in 2026?
How fixed-rate, tracker, variable and discount mortgages work, the pros and cons of 2, 5 and 10-year fixes, and how to decide with today's rates.
Read guide →High Income Child Benefit Charge: The £60,000–£80,000 Taper Explained
Who pays the High Income Child Benefit Charge, how much is clawed back between £60,000 and £80,000, and how pension contributions can keep your Child Benefit.
Read guide →How Is a Bonus Taxed in the UK? Why Your Bonus Month Looks Over-Taxed
How Income Tax, National Insurance and student loans apply to a bonus, why your bonus payslip looks heavily taxed, and how to keep more of it with pension sacrifice.
Read guide →How Much Can I Borrow for a Mortgage in 2026? Income Multiples and Affordability
How UK lenders decide how much you can borrow: income multiples, affordability models, stress tests and the factors that increase or reduce your mortgage.
Read guide →Built to be trusted with your numbers
SalaryHome is engineered like a financial product, not a content farm.
Private by design
Every calculation runs in your browser. No accounts, no cookies, and shared links keep your figures after the “#”, which is never sent to a server.
Sourced and versioned
Tax rules are stored as data with a source and verification date for every value. See every source.
Tested to the penny
Over 100 automated tests and thousands of randomised checks cover band edges and rounding rules. Read our methodology.