Tax & HMRC
VAT Calculator
Add or remove VAT at 20%, 5% or any custom rate instantly.
VAT Threshold Tracker
See how close you are to the £90,000 registration threshold.
Sole Trader Take-Home Pay
Calculate your real take-home after income tax and NI.
Sole Trader vs Ltd Company
Side-by-side tax comparison for your level of income.
Corporation Tax Calculator
Work out your company's corporation tax bill at 25%.
Dividend Tax Calculator
Calculate tax owed on dividends taken from your company.
Mileage Expense Calculator
HMRC approved rates for car, van, motorcycle and bike.
Freelancer & Contractor
IR35 Status Checker
Check whether your contract is likely inside or outside IR35.
Day Rate Calculator
Convert an annual salary to a day rate and back again.
Project Pricing Calculator
Price a project by hours, value or day rate.
Late Payment Calculator
Calculate statutory interest on overdue invoices under UK law.
Invoice Generator
Create a professional, HMRC-compliant PDF invoice in seconds.
Startup & Planning
Break-Even Calculator
Find out exactly how much you need to sell to break even.
Startup Cost Estimator
Build a realistic startup cost estimate before you commit.
Profit Margin Calculator
Calculate gross margin, net margin and markup in seconds.
Cash Flow Forecast
Build a simple 12-month cash flow forecast for your business.
HR & Staff
Compliance
Private Pensions
Pension Contribution Calculator
How much can you contribute to your private pension tax-free?
Tax Relief Calculator
See how much HMRC adds to your pension contributions.
Pension Pot Growth Calculator
Project what your pension pot could be worth at retirement.
When Can I Access My Pension?
Find out when you can access your private pension — age 55, 57 from 2028.
Tax-Free Lump Sum Calculator
Calculate exactly how much of your pension you can take tax free.
Pension Drawdown Tax Calculator
Work out the tax on income you draw from your pension pot.
How Much Do I Need to Retire?
Calculate the pension pot size you need for your target retirement income.
Pension vs Salary Sacrifice
Compare personal contributions vs salary sacrifice — which saves more tax?