Calculators — 2026/27
💷UK Tax Calculator — Take-Home PayYour salary after income tax, National Insurance, pension and student loan. England, Wales & NI plus full Scottish bands, the £100k trap flagged automatically, and a full band-by-band breakdown.
🏠Stamp Duty CalculatorSDLT for England & NI — main home, first-time buyer and additional property, including the £500,000 relief cliff.
🧮Mortgage CalculatorMonthly payments, total interest, LTV — and what a small overpayment could save you.
🎁Bonus Tax CalculatorHow much of a bonus or commission you actually keep after tax, NI and student loan.
📈Pay Rise CalculatorWhat a rise is really worth per month after tax — including the £100,000 trap.
⏱️Hourly to Salary CalculatorConvert an hourly rate to annual salary and real take-home pay — or back again.
🕐Pro Rata CalculatorPart-time pay from a full-time salary, with the take-home that actually follows.
🏠Rent AffordabilityThe rent your salary can carry — by the 30% rule and the letting-agent 30× rule.
🌱Compound InterestWhat a starting pot plus monthly saving grows into, year by year.
🧾VAT CalculatorAdd or remove UK VAT at 20% or 5%, with net, VAT and gross shown separately.
Guides — money in plain English
📖UK Tax Bands 2026/27Every band, threshold and student loan plan for the current tax year, explained without jargon.
🪤The £100,000 Tax TrapWhy a £10,000 pay rise can be worth just £3,800 — and the pension move that defuses it.
Why MiniBreak Money?
Most money calculators are slow, cluttered, or quietly harvesting what you type. Ours are built the MiniBreak way: one screen, instant answers as you type, a visual breakdown you can actually read, and a share card when the number surprises you. Every calculation runs in your browser — we never see, store or analyse your figures. Rates are checked against GOV.UK for the 2026/27 tax year and stamped with the date they were verified.
These tools give estimates for illustration — they're not financial advice. For decisions that matter, HMRC and regulated advisers exist for a reason, and every tool page says so.
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