Free
VAT calculator
Add or remove VAT and see the net, tax and gross amounts instantly.
Freelancers, households, founders and small teams
Money & business tools
Clear calculators for VAT, pricing, interest, borrowing, savings and everyday business decisions. Work through common money questions with transparent formulas and editable assumptions. These tools are practical estimates, not personal financial advice.
13free tools in this category.
Choose a tool
Clear inputs. Useful outputs.
Every result stays on your device unless a page explicitly says otherwise.
Free
Percentage calculator
Find what percentage one number is of another, with the decimal fraction and ratio.
Free
Percentage change calculator
Compare an old and new value to measure the percentage increase or decrease.
Free
Percentage difference calculator
Compare two values with a symmetric percentage difference and absolute difference.
Free
Profit margin calculator
Calculate gross profit, profit margin, markup and the cost ratio from a selling price.
Free
Compound interest calculator
Project savings growth with regular contributions and different compounding frequencies.
Free
Loan repayment calculator
Estimate monthly repayments, total interest and an amortisation schedule.
Free
Mortgage affordability calculator
Estimate a headline mortgage loan, affordable property price and monthly payment from your income and deposit.
Free
Mortgage overpayment calculator
Estimate how a regular monthly overpayment shortens a mortgage and reduces total interest.
Free
Savings goal calculator
Work out the regular amount needed to reach a target by a chosen date.
Free
Hourly rate calculator
Turn an income target, working pattern and business costs into a sustainable hourly rate.
Free
Break-even calculator
Find the sales volume needed to cover fixed costs at a given price and variable cost.
Free
Invoice total calculator
Calculate an invoice total after a percentage or fixed discount and an editable VAT or tax rate.
Popular tasks
Start with the money decision in front of you.
Plan a savings target
Work backwards from a goal and date to a weekly or monthly contribution.
Add or remove UK VAT
Separate net, VAT and gross totals with an editable rate.
Estimate mortgage affordability
Turn income, deposit, debts and term into a headline planning figure.
Check margin and markup
Compare selling price with cost before quoting or discounting.
Step-by-step guidance
Practical guides for these tasks.
Savings planning guide
Plan a realistic savings goal
Work backwards from a savings target and deadline, understand the monthly and weekly calculation, and test whether your current plan is on track.
Margin and markup guide
Calculate profit margin and markup
Calculate gross profit, margin and markup from cost and selling price, then keep VAT, discounts, fees and overheads on a consistent basis.
Percentage change guide
Calculate percentage increase or decrease
Calculate percentage increase or decrease from an old and new value, understand why reversing the change gives a different percentage, and handle zero safely.
Mortgage planning guide
Estimate what you can borrow
Turn income, deposit, debts, term and an income multiplier into a headline mortgage figure, then understand why lenders still apply their own checks.
Percentage comparison guide
Compare two values without a baseline
Calculate the symmetric percentage difference between two values and know when to use percentage change instead.
Mortgage overpayment guide
Model mortgage overpayments
Estimate how a regular monthly overpayment shortens the term and reduces total interest in a fixed-rate model.
What this category helps with.
Start with the real question
Clear calculators for VAT, pricing, interest, borrowing, savings and everyday business decisions.
See the method
Inputs, formula or processing method, examples and important limitations are explained on every tool page.
Use the answer with context
Work through common money questions with transparent formulas and editable assumptions. These tools are practical estimates, not personal financial advice. Tools give an estimate or transformation; you remain in control of the final decision.
Need a deeper workflow?
Move from a quick answer to a reusable business result.
The Premium suite adds 20 advanced forecasting, audit, data and document tools. Guests can try 1 run; a verified free account gets 3 per rolling 24 hours.