Frequently asked questions

Yes. Every tool is free to use with no sign-up, no limits and no payment. The site is funded by adverts.

No. All the tools run in your own browser. Salaries, prices, text and passwords you enter are never sent to our servers.

They use the current UK tax year's published rates and are checked when rates change, usually each April. They give a reliable estimate, but they're a guide only and not financial advice. For important decisions, check with HMRC, your lender or a qualified adviser.

Most tools work anywhere. The take-home pay calculator uses income tax bands for England, Wales and Northern Ireland, and the stamp duty calculator covers England and Northern Ireland only, because Scotland and Wales have their own property taxes.

Yes. Every tool works on phones, tablets and computers. You can add the site to your home screen for quick access.

We're always adding tools. Email us through the contact page with your idea.

In 2026/27 in England, Wales or Northern Ireland, someone earning £30,000 with no pension or student loan pays about £3,486 income tax and £1,394 National Insurance, taking home roughly £25,120 a year or £2,093 a month.

Payslips can differ because of your tax code, benefits in kind, overtime, bonuses, or how your pension is set up. This calculator assumes the standard 1257L tax code and that your pension is paid by salary sacrifice.

Not yet. Scotland has its own income tax bands. National Insurance and student loan figures are the same across the UK, but the income tax figure will be different for Scottish taxpayers.

Your personal allowance falls by £1 for every £2 you earn over £100,000, and disappears completely at £125,140. This creates an effective 60% tax rate on income in that band.

You give up part of your gross salary to pay for the car, so you don't pay income tax or National Insurance on that slice. A 40% taxpayer saves 42% of the sacrificed amount. You then pay a small benefit-in-kind tax instead, which for electric cars is just 4% of the car's value in 2026/27.

Benefit-in-kind (BIK) is the tax on a perk from your job. For fully electric cars it is 4% of the car's list price in 2026/27, rising to 5% in 2027/28, 7% in 2028/29 and 9% in 2029/30. You pay income tax on that amount at your usual rate.

For most taxpayers it's much cheaper than leasing a car personally, because of the tax and National Insurance savings and the very low BIK on electric cars. Check your salary won't drop below the minimum wage after the sacrifice, and that you'll keep the car long enough, as leaving early can carry charges.

It lowers your gross salary, which can reduce pension contributions based on salary and the income figure a mortgage lender uses. Many schemes protect your pension; ask your employer. It can also help if it brings you under £100,000 and out of the 60% tax trap.

At the standard home electricity rate of around 25p per kWh, a typical EV doing 3.5 miles per kWh costs about 7p a mile. On a cheap overnight EV tariff near 7p per kWh, that falls to about 2p a mile.

On fuel, usually yes if you can charge at home. A petrol car at 45 mpg costs around 17p a mile at current pump prices, against 2p to 8p a mile for a home-charged EV. Public rapid charging is dearer, often 20p to 25p a mile, which is similar to petrol.

It's how far an electric car travels on one unit of electricity, like miles per gallon for petrol. Most EVs manage 3 to 4.5 miles per kWh. Bigger or faster cars, and cold weather or motorway driving, lower the figure.

Manufacturers usually quote it, or you can divide the official range by the usable battery size in kWh. Real-world figures are often a bit lower than the official ones, especially in winter and on motorways, so it's worth checking an owner review site.

Most new EVs offer 200 to 300 miles of official range, and premium ones more. Real-world range is often 10% to 30% lower. If you mostly do short local trips and can charge at home, range matters less than you'd think.

It divides the electricity price you enter by the car's miles per kWh. At 25p per kWh and 3.5 miles per kWh, that's about 7p a mile. A cheaper overnight tariff brings it right down.

Yes. Enter each car's rapid charging speed in kW and its battery size, and the tool estimates a 10% to 80% rapid charge, which is the part you'd usually do on a longer journey.

First-time buyers pay nothing on the first £300,000 and 5% on the portion between £300,001 and £500,000. If the property costs more than £500,000, no relief applies and you pay standard rates on the whole price.

If you'll own more than one home after buying, a 5% surcharge is added to every band. On a £250,000 second home, that means £15,000 rather than £2,500.

You must file a return and pay within 14 days of completion. Your solicitor or conveyancer usually handles this for you.

No. Scotland has Land and Buildings Transaction Tax and Wales has Land Transaction Tax, which have different rates. This calculator covers England and Northern Ireland only.

Loan-to-value is the size of your mortgage as a percentage of the property's value. A £225,000 mortgage on a £250,000 home is 90% LTV. Lower LTVs usually get better interest rates, often at 60%, 75%, 85% and 90%.

A longer term lowers your monthly payment but means you pay much more interest overall. Try both in the calculator to see the difference in total cost.

With a repayment mortgage, each payment covers interest and part of the loan, so you owe nothing at the end. With interest-only, you only pay the interest, so the full loan is still owed at the end of the term.

AER (annual equivalent rate) shows what you'd earn in a year if interest were added and left to compound. It lets you compare accounts that pay interest monthly with ones that pay yearly.

Basic-rate taxpayers can earn £1,000 of savings interest a year tax-free and higher-rate taxpayers £500. Interest earned inside an ISA is always tax-free. This calculator shows interest before any tax.

No. The figures are in today's pounds without adjusting for inflation. If inflation is higher than your savings rate, your money buys less over time even though the balance grows.

Divide the VAT-inclusive price by 1.2. For example, £120 ÷ 1.2 = £100 net, so the VAT is £20. Don't multiply by 0.8, which gives the wrong answer.

Multiply the net price by 1.2. For example, £250 × 1.2 = £300 including VAT.

The 5% reduced rate covers things like home energy and children's car seats. The 0% zero rate covers most food, children's clothes and books. Check GOV.UK for the full list.

Divide the percentage by 100 and multiply by the number. 15% of 250 is 0.15 × 250 = 37.5.

Subtract the original value from the new value, divide by the original value and multiply by 100. Going from 80 to 100 is (100 − 80) ÷ 80 × 100 = 25%.

Multiply the price by (100 − the discount) ÷ 100. For 30% off £60, that's £60 × 0.7 = £42.

No. The counting happens entirely in your browser, and nothing you type is sent to our servers.

UCAS personal statements have a limit of 4,000 characters including spaces. Use the characters count above to check.

Most people speak at about 130 to 150 words a minute, so a 5-minute speech is roughly 650 to 750 words.

Sentence case capitalises only the first letter of each sentence and proper nouns, like normal writing. It's the style GOV.UK and many UK publishers use for headings.

Title case capitalises the main words of a title. Short words such as 'and', 'of' and 'the' stay lower case unless they come first.

Sentence case and lower case can't tell which words are proper nouns, so check names and places afterwards.

No. The calculator counts the days from the start date up to, but not including, the end date. Add one if you want to include both days.

No. Working days are Monday to Friday. Bank holidays differ between England and Wales, Scotland and Northern Ireland, so subtract any that fall in your range.

Use the add or subtract section. Today's date is filled in for you, so just enter 90 in the days box.

There are 14 pounds in a stone, and one stone is about 6.35 kg.

No. A UK pint is 568 ml and a US pint is 473 ml. This converter uses UK imperial measures.

Multiply by 9, divide by 5, then add 32. So 20°C is 68°F.

This one generates passwords on your own device using the browser's cryptographic random number generator. Nothing is sent to or stored on our servers.

At least 12 characters, and 16 or more for important accounts such as email and banking. Length adds more strength than complexity.

Use a password manager. It stores them securely, fills them in for you, and means you only need to remember one strong master password.

No. The code contains your link or text directly, so it works for as long as the link itself works. Some other sites use redirect links that stop working if you cancel a subscription.

Not directly. To count scans, use a link with tracking parameters, such as UTM tags, and check your website analytics.

At least 2 cm wide for scanning at arm's length. For posters scanned from a distance, a good rule is one-tenth of the scanning distance.