MyKit.tools

Mortgage Affordability Calculator

Use our comprehensive UK mortgage affordability calculator to see exactly how much you can borrow based on your salary, deposit, and outgoings.

💰 Finance

Mortgage Calculator

Calculate your monthly mortgage payments, total interest and repayment cost. Compare rates and see how overpayments save you money.

💰 Finance

UK Tax Calculator

Calculate your take-home pay after income tax, National Insurance, student loan repayments and pension contributions for the 2026/27 tax year

💰 Finance

Child Benefit Calculator

Calculate child benefit amount including high income child benefit charge taper for earnings over £60,000

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Council Tax Calculator

Look up council tax bands A to H with relative amounts, single occupancy discount and typical annual ranges

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Dividend Tax Calculator

Calculate UK dividend tax across basic, higher and additional rate bands with tax-free allowance for the 2026/27 tax year

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Inheritance Tax Calculator

Estimate UK inheritance tax liability with nil-rate band, residence nil-rate band and taper relief calculations

💰 Finance

ISA Calculator

ISA savings calculator with annual allowance tracking, monthly deposits and year-by-year growth projection table

💰 Finance

Mortgage Overpayment Calculator

See how much you could save by overpaying your mortgage. Calculate time saved, interest saved, and compare your new payoff date with your original term.

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National Insurance Calculator

Calculate employee and employer National Insurance contributions by earnings with 2026/27 thresholds and rates

💰 Finance

Pension Calculator

Calculate pension pot growth with employer and employee contributions, expected growth rate and projected retirement income

💰 Finance

Rent vs Buy Calculator

Compare the total cost of renting versus buying a home in the UK over 5 to 25 years. Includes stamp duty, maintenance, equity, and mortgage costs.

💰 Finance

Salary Breakdown Visualiser

See exactly where your UK salary goes. Visual breakdown of income tax, National Insurance, pension, student loan, and your monthly expenses.

💰 Finance

UK Buy-to-Let Calculator

Calculate precise rental yields, cash flow, and monthly profit for UK buy-to-let investments. Includes SDLT surcharge and Section 24 landlord tax rules.

💰 Finance

UK Capital Gains Tax Calculator

Calculate CGT on shares, property or business assets for 2026/27. Includes the £3,000 annual exempt amount, Business Assets Relief, and residential property rates.

💰 Finance

UK Council Tax Calculator

Estimate your council tax by band and region. Includes single person discount and shows annual and monthly amounts based on 2026/27 rates for UK councils.

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UK Dividend Tax Calculator

Calculate tax on your UK dividend income for 2026/27. Shows the £500 dividend allowance, basic (8.75%), higher (33.75%) and additional (39.35%) rates with a full breakdown.

💰 Finance

UK Inheritance Tax Calculator

Estimate your UK inheritance tax bill. Includes nil-rate band (£325k), residence nil-rate band (£175k), spouse exemption, charity rate, and taper relief for large estates.

💰 Finance

UK Pension Calculator

Project your pension pot at retirement. Enter your salary, contributions and growth rate to see a year-by-year forecast, tax relief breakdown and estimated retirement income.

💰 Finance

UK Salary Sacrifice Calculator

See how much you save with salary sacrifice. Compare take-home pay before and after sacrificing for pension, cycle to work, childcare vouchers or EV lease.

💰 Finance

UK Self-Assessment Tax Estimator

Estimate your self-assessment tax bill for 2026/27. Enter employment, self-employment, rental, dividend and other income to see your total tax, NI and payments on account.

💰 Finance

UK Stamp Duty Calculator

Calculate UK stamp duty land tax (SDLT) for your property purchase. Supports first-time buyers, home movers, additional properties and non-UK residents

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UK Student Loan Repayment Calculator

Calculate your monthly student loan repayment and see how long until it is paid off. Supports Plan 1, 2, 4, 5 and Postgraduate loans with projected timelines.

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VAT Calculator

Add or remove VAT from any amount instantly. Supports UK standard (20%), reduced (5%) and zero rates. Shows the full net + VAT = gross breakdown.

💰 Finance

Pay Rise Calculator

Compare your old and new salary to see the real impact of a pay rise. Shows monthly and weekly difference with optional inflation adjustment

💰 Finance

Debt Payoff Calculator

Compare snowball vs avalanche debt repayment strategies with timeline visualisation and total interest comparison

💰 Finance

Business Profit Calculator

Calculate profit margins, markup percentages, and break-even prices. Know exactly how much you're earning on each sale or what price you need to hit your profit target.

💼 Business

Can I Retire Early Calculator

Check if you can afford to retire early by comparing your savings to your spending needs.

💰 Finance

Child Benefit Tax Calculator

Calculate if you'll lose child benefit due to high income and how much you'll owe back.

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Childcare Cost Calculator

Calculate your annual childcare costs and see if childcare schemes like Tax-Free Childcare help.

💰 Finance

Christmas Gift Budget Tracker

Track your Christmas gift spending with a per-person budget. See allocated, spent and remaining amounts with traffic-light indicators and overall totals.

🎄 Seasonal

Compound Interest Calculator

Calculate how your savings grow over time with compound interest. See year-by-year growth with optional monthly contributions

💰 Finance

Credit Card Payoff Calculator

Calculate how long to pay off credit card debt at minimum vs fixed payments with total interest comparison

💰 Finance

Currency Converter

Convert between 30+ major world currencies with approximate exchange rates. See converted amount, exchange rate and inverse rate for quick reference.

✈️ Travel

Debt Snowball Calculator

Compare Snowball and Avalanche debt payoff strategies. Add your debts, set an extra payment amount, and see which method gets you debt-free fastest.

💰 Finance

Hourly to Salary Calculator

Convert hourly pay to annual salary or salary to hourly rate. See your earnings broken down by hour, day, week, bi-weekly, month and year

💰 Finance

How Long Will My Savings Last?

Calculate how long your savings will last based on your monthly spending, income, inflation and interest. Visual countdown with milestones.

💰 Finance

Inflation Calculator

Calculate the effect of inflation on purchasing power. See what money was worth in the past or what it will be worth in the future

💰 Finance

Is Childcare Worth It Calculator

Calculate if returning to work with childcare costs is financially worthwhile after tax benefits.

💰 Finance

Loan Repayment Calculator

Calculate monthly loan repayments, total interest and see how overpayments can save you time and money. Supports repayment and interest-only

💰 Finance

Maternity Leave Planner

Plan your maternity leave dates and calculate statutory maternity pay entitlements. UK maternity benefit calculator.

💪 Health & Fitness

Maternity Pay Calculator

Calculate how much statutory maternity pay you're entitled to based on your salary and length of employment.

💰 Finance

Pension Income Calculator

Calculate your estimated monthly or annual income from your pension savings at retirement.

💰 Finance

Pension Tax Free Lump Sum Calculator

Calculate how much tax-free lump sum you can take from your pension at retirement.

💰 Finance

Retirement Countdown

Calculate your countdown to retirement. Enter your date of birth and planned retirement age (or specific date). Shows working days remaining, career progress, and freedom stats.

💰 Finance

Savings Goal Calculator

Work out how much to save per week, fortnight, or month to hit your savings target. See a month-by-month breakdown with optional interest.

💰 Finance

Should I Rent or Buy Calculator

Compare the financial pros and cons of renting versus buying a home in your area.

💰 Finance

Split Bill Calculator

Split a restaurant bill between friends with tip calculation. Choose equal split or itemised mode to assign dishes to individuals.

💰 Finance

Unit Price Calculator

Compare supermarket prices per unit to find the best deal. Add up to 6 products with different sizes and units — instantly see price per 100g, per litre, and which is best value.

🏠 Home & Property

Workplace Pension Calculator

Calculate how much your workplace pension will grow based on contribution rate and years to retirement.

💰 Finance

Buy vs Subscribe Calculator

Compare whether it's cheaper to buy something outright or subscribe to a service long-term.

💰 Finance

Discount Calculator

Calculate sale prices, discount amounts, and find original prices from discounted amounts. Two-way discount and reverse discount modes

💰 Finance

Emergency Fund Calculator

Calculate how much emergency savings you should have based on your monthly expenses.

💰 Finance

Markup Calculator

Calculate selling price from cost and markup percentage, or find your markup from cost and selling price. Shows profit and margin

💰 Finance

Profit Margin Calculator

Calculate profit margin and markup from revenue and cost. Understand the difference between margin and markup with clear explanations

💰 Finance

ROI Calculator

Calculate return on investment (ROI) and annualised return (CAGR). Enter initial investment and final value to see your returns

💰 Finance

State Pension Age Checker

Find out what age you'll be eligible for state pension based on your date of birth.

💰 Finance

Tip Calculator

Calculate tip amount and split the bill between friends. Preset tip percentages for quick calculation with per-person breakdown

💰 Finance