Finance Calculators

The mortgage calculator uses the standard amortization formula to calculate your monthly payment for any US or UK home loan. Pair it with our amortization schedule calculator to see a complete payment breakdown, or the APR calculator to compare loan offers including lender fees.

The refinance calculator tells you your monthly savings, total lifetime interest savings, and — critically — how many months until your closing costs are recouped (the break-even point). The home affordability calculator applies the US 28/36 debt-to-income rule and UK 4.5× income multiple to show the maximum home price you can realistically borrow against.

The UK stamp duty calculator covers current SDLT (England and Northern Ireland), LBTT (Scotland), and LTT (Wales) rules, including England/NI first-time buyer relief, the 5% SDLT additional property surcharge, Scotland ADS, and Wales higher residential rates.

The capital gains tax calculator covers US long-term (0%/15%/20%) and short-term rates, plus UK CGT rates post the October 2024 Autumn Budget — including the £3,000 annual CGT exemption for UK residents.

The US paycheck calculator accounts for 2024 federal income tax brackets, Social Security, and Medicare (FICA), giving you a reliable take-home pay estimate for any pay period. The UK take-home calculator applies 2024-25 PAYE bands and Class 1 National Insurance contributions.

All financial calculators support multiple currencies including USD ($) and GBP (£) with country-specific tax and regulatory logic applied automatically.