Floor tools

Calculators for the 2026/27 year.

Type the inputs. The mill has the number. A Faster Payment to the till unlocks the figure, the print sheet and the CSV.

• PAYE 2026/27

  Take-home pay

  Salary in. Income tax, National Insurance and student loan out. England, Wales, Scotland or Northern Ireland.

• UK nations

  Stamp duty

  Residential SDLT, Scottish LBTT or Welsh LTT on the price you type, including first-time and additional-dwelling rates.

• Interest saved

  Mortgage overpay

  What an extra payment each month does to interest and the date you finish.

• £20,000 wrapper

  ISA sweep

  How much of this year’s ISA allowance you can still fill, and what that becomes if you keep going.

• Relief vs wrapper

  Pension vs ISA

  The same spare cash, two shelters. Relief at your marginal rate against a stocks-and-shares ISA.

• Side work

  Day rate

  Turn a desired take-home into a day rate after tax, gaps, and the days you actually work.

• PAYE

  Tax code

  What 1257L, BR, D0 or a K code actually means for this year’s personal allowance.

• HICBC

  Child benefit charge

  How much of Child Benefit a higher earner pays back between £60,000 and £80,000.

• PA taper

  60% trap

  Personal allowance lost above £100,000, and how much pension would drop you back under the line.

• SLC

  Student loan remaining

  Years to clear a Plan 2 or Plan 5 balance at this salary, with the 2026/27 interest cap.

• Transfer

  Marriage allowance

  Whether 10% of a personal allowance can move, and what that is worth at basic rate.