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Three free UK money tools

Clear, plain-English answers about your salary, tax, and mortgage.

moneyzio.com gives general information to help you understand your money — it does not give personal financial, tax, or legal advice, and it always recommends speaking to a qualified professional for your own situation.

£
Take-Home Pay
Estimate your monthly and annual take-home pay, including tax code, National Insurance category, and student loan.
✓
Self-Assessment
General guidance on whether you may need to register and file a Self Assessment tax return.
🏠
Mortgage Estimates
Estimate monthly and total mortgage repayments from a price, deposit, interest rate, and term.
ℹ About moneyzio.com

What this site is — and isn't

moneyzio.com provides free, general-purpose calculators and guidance to help you understand UK salary, tax, and mortgage basics. Every tool on this site produces an estimate, not a personalised recommendation.

Nothing on this site is financial, tax, or legal advice. For anything specific to your own circumstances, please speak to a qualified, appropriately regulated professional — for example an accountant, a tax adviser, or an FCA-authorised mortgage adviser.

See our Financial Disclaimer and Terms & Conditions for the full detail.

£ Calculator

Take-Home Pay Calculator

Estimate your monthly and annual take-home pay for the 2026/27 tax year (6 April 2026 – 5 April 2027).

This tool provides estimates only and does not constitute financial advice.

Figures are based on publicly available HMRC and Scottish Government rates. Always check your actual payslip, P60, or speak to a qualified accountant or payroll professional for figures you rely on.

Estimated take-home pay
£0 / year
£0 / month · £0 / week
ItemAnnualMonthly

Assumes a standard tax code (unless entered), no other income, and pension contributions taken before tax and National Insurance are calculated (salary sacrifice-style). This does not include benefits in kind, bonuses paid separately, or income from other sources. It's an estimate, not a payslip.

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ℹ How it works

What's included in this estimate

Tax code — if you enter your actual tax code, we use it directly: multiplying the number by 10 gives your Personal Allowance (e.g. 1257L = £12,570; 1283L = £12,830). We also support K codes (extra taxable income added), BR/D0/D1 (flat 20%/40%/45%, common for second jobs), NT (no tax), 0T (no allowance), and S/C prefixes (Scottish or Welsh rates). Leave it blank and we'll use the standard 2026/27 code with the usual high-earner taper instead.
Income Tax — using the 2026/27 Personal Allowance and the relevant bands for England/Wales/NI or Scotland's six-band system.
National Insurance — Class 1 employee rate: 8% on earnings between £12,570 and £50,270, 2% above that, for most categories (A, H, M, V). Category C (State Pension age) pays no employee National Insurance. Category B is a rare, historic reduced-rate election — please confirm your exact rate with HMRC or your payroll department, as we can't reliably calculate it here.
Student loan — 9% of income above your plan's threshold (Plans 1, 2, 4, 5), plus 6% above £21,000 if you also have a Postgraduate Loan.
Not included: benefits in kind, employer pension contributions, marriage allowance, blind person's allowance, or income from other sources.
✓ Self-Assessment

Self-Assessment Guidance

General information on whether you may need to register for Self Assessment and file a UK tax return.

This tool provides estimates only and does not constitute financial advice.

This is general information, not personal tax advice. It doesn't cover every circumstance. For a definitive answer, or anything specific to your situation, please speak to a qualified accountant or tax adviser, or contact HMRC directly.

Select everything that applied to you in the tax year you're asking about. This reflects HMRC's published common reasons for needing to register — it isn't the complete list, and it isn't a ruling on your specific situation.

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ℹ Key dates

What this guidance is based on

The criteria above reflect HMRC's publicly published list of common reasons someone needs to register for Self Assessment — it is not the complete list.
Registration deadline: usually 5 October following the end of the tax year, if registering for the first time.
Filing deadline: online returns and payment are generally due by 31 January following the end of the tax year.
It is your responsibility to register if you meet the criteria — HMRC does not always contact you first, and penalties can apply even if you weren't told to file.
🏠 Mortgage Estimates

Mortgage Repayment Calculator

Estimate monthly and total repayments on a standard repayment mortgage, from a property price, deposit, interest rate, and term.

This tool provides estimates only and does not constitute financial advice.

This calculates repayments on a standard repayment mortgage using the figures you enter — it is not a mortgage offer, agreement in principle, or personal recommendation, and it doesn't consider your credit history, affordability assessment, or any specific lender's criteria. moneyzio.com is not authorised or regulated by the Financial Conduct Authority (FCA).

Estimated monthly repayment
£0
Over 0 years
ItemAmount

Assumes a standard repayment (capital and interest) mortgage with a fixed interest rate applied consistently across the whole term, and equal monthly payments. Real mortgages often have an initial fixed or discounted rate period followed by a different rate, along with fees, which this does not account for. It's an estimate, not a mortgage offer.

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ℹ How it works

What's included in this estimate

Loan amount — property price minus your deposit.
Monthly repayment — calculated using the standard repayment mortgage formula, spreading capital and interest evenly across the term at the interest rate you enter.
Total repayment — your monthly repayment multiplied by the number of months in the term, showing the total cost including interest.
Not included: arrangement fees, valuation fees, changes in interest rate over time (e.g. moving off a fixed or discounted rate), overpayments, or interest-only mortgages.
For a figure you can actually rely on, and to understand what you could realistically borrow, please speak to a whole-of-market mortgage broker or an FCA-authorised adviser. You can check the Financial Services Register at register.fca.org.uk to confirm anyone you deal with is genuinely authorised.
⚖ Compare

Comparison Tools

Four widgets to help you compare your own figures side by side. All are general information, not personal financial, tax, or legal advice.

This tool provides estimates only and does not constitute financial advice.

These comparisons use only the figures you enter (or well-established published tax rates) — they don't draw on external cost-of-living statistics, which vary by location and change often. For anything specific to your situation, please speak to a qualified professional.

Salary vs cost of living

Enter your monthly take-home pay (you can copy this from the Take-Home Pay calculator) and your regular monthly outgoings, to see roughly what's left over.

Left over after these outgoings
£0
Total monthly outgoings: £0 of £0 take-home

Mortgage types compared

A general overview of common UK mortgage types. Product availability and terms vary by lender.

TypeHow it generally worksMonthly payments
Fixed rateInterest rate stays the same for a set period (commonly 2, 5, or 10 years).Stay the same during the fixed period — predictable, but won't fall if rates drop, and there's often a charge for leaving early.
TrackerRate moves directly with a reference rate (e.g. the Bank of England base rate) plus a set margin.Can rise or fall in line with the reference rate — transparent, but less predictable.
Standard Variable Rate (SVR)The lender's own default rate, which you're typically moved to once a fixed or tracker deal ends.Can change at the lender's discretion, often higher than deal rates.
DiscountA discount off the lender's SVR for a set period.Moves with the SVR, so still variable — but usually cheaper than SVR alone during the discount period.
OffsetYour savings are linked to the mortgage, and interest is only charged on the difference.Can reduce the interest you pay, but usually needs a specific offset-enabled account and may have a higher starting rate.

Income Tax bands, 2026/27

England, Wales & Northern Ireland use three bands above the Personal Allowance. Scotland uses six.

England, Wales & Northern Ireland

BandTaxable incomeRate
Personal AllowanceUp to £12,5700%
Basic rate£12,571 to £50,27020%
Higher rate£50,271 to £125,14040%
Additional rateOver £125,14045%

Scotland

BandTaxable incomeRate
Personal AllowanceUp to £12,5700%
Starter rate£12,571 to £16,53719%
Basic rate£16,538 to £29,52620%
Intermediate rate£29,527 to £43,66221%
Higher rate£43,663 to £75,00042%
Advanced rate£75,001 to £125,14045%
Top rateOver £125,14048%

The Personal Allowance reduces by £1 for every £2 earned above £100,000, reaching £0 at £125,140, in both systems. Try the Take-Home Pay calculator to see how these bands apply to your own salary.

Renting vs buying: monthly cost

A simple monthly cash-flow comparison — not a full cost-of-ownership analysis. See what's excluded below.

vs

Renting

£0/month

No deposit tied up, no maintenance responsibility, no equity built.

Buying (mortgage only)

£0/month

Excludes maintenance, buildings insurance, service charges, and ground rent.

This compares monthly cash outflow only. It does not include: house price changes, equity built through repayments, the opportunity cost of a deposit sitting outside other investments, maintenance and repair costs, buildings insurance, service charges or ground rent, or the costs of buying/selling a property (e.g. solicitor and estate agent fees). Renting and buying involve very different long-term trade-offs beyond monthly cost — please consider your full circumstances or speak to a professional before deciding.

📰 Money News & Tips

Money News & Tips

General, original tips on UK salary, tax, and mortgages — not personal financial advice.

General information only — not financial advice.

These are general tips, not personalised recommendations. For anything specific to your own situation, please speak to a qualified professional.

Last updated: 2026-08-01

Salary & Payslips

Check your tax code at the start of every tax year

Your tax code can change year to year, and an out-of-date one can mean you're overpaying or underpaying without realising. It's worth checking yours on your payslip, P60, or in the HMRC app each April. You can also try our Take-Home Pay calculator with your actual code entered for a more accurate result.

Salary & Payslips

A pension contribution can lower your taxable income

If your pension is set up as salary sacrifice, contributions come out before Income Tax and National Insurance are calculated — so you're taxed on a smaller amount. It's worth checking with your employer how your scheme is structured, since the tax treatment isn't identical across all pension setups.

Tax

Self Assessment has two separate deadlines, not one

If you're filing for the first time, registering with HMRC is usually due by 5 October. The return itself, and any payment, is usually due by 31 January. Missing either can trigger a penalty, even if HMRC never contacted you first — it's your responsibility to register if you meet the criteria.

Tax

Marriage Allowance can move part of an unused Personal Allowance

If one partner earns below the Personal Allowance and the other is a basic-rate taxpayer, it may be possible to transfer 10% of the unused allowance between them, reducing the recipient's tax bill. Eligibility rules apply, so it's worth checking your specific situation before assuming it applies.

Savings

The ISA allowance doesn't carry over

For 2026/27, the overall ISA allowance is £20,000, and it resets every 6 April rather than rolling forward. Any unused allowance from this tax year is simply lost once the new one starts, which is worth factoring in if you're deciding when to save or invest.

Savings

An emergency fund can be worth building before overpaying debt

Putting every spare pound toward debt can feel like the fastest way to get ahead, but having even a small cash buffer set aside can mean an unexpected cost doesn't force you back onto a credit card. Many people find a small emergency fund alongside debt repayment strikes a more resilient balance than debt repayment alone.

Mortgages & Housing

It's worth comparing mortgage types before your current deal ends

Fixed, tracker, and standard variable rate deals behave very differently once your initial period ends — often reverting to a lender's standard variable rate, which can be notably higher. Starting the comparison a few months before your current deal expires generally leaves more options open. See our Compare page for how the main types differ.

Mortgages & Housing

Renting vs buying isn't just about the monthly number

A lower monthly mortgage payment than rent doesn't automatically mean buying is cheaper overall — maintenance, insurance, service charges, and the cost of buying and selling all factor in too, alongside how long you plan to stay. Our Renting vs Buying comparison covers monthly cash flow only; the fuller picture depends on your own circumstances.

🛡 Legal

Privacy Policy

Last updated: 1 August 2026

Who we are

This Privacy Policy explains how moneyzio.com ("we", "us", "our") handles information when you use this website. moneyzio.com, DS Unit 171088, PO Box 7169, Poole, BH15 9EL.

What data is collected

moneyzio.com is designed to collect as little personal data as possible:

  • Calculator inputs (salary, tax code, property price, etc.) entered into the Take-Home Pay, Self-Assessment, or Mortgage Estimates tools are processed entirely in your own browser. They are not sent to, or stored on, our servers.
  • Money News & Tips: this page fetches tip content from a file on our own site — no data is sent anywhere by using it.
  • Cookie consent choice and Reading Mode preference are stored on your device using local storage — see our Cookie Policy.
  • Advertising data: if you accept advertising cookies, Google Ads may collect data about your device and browsing to serve and measure adverts. See "Third-party sharing" below.
  • Contact enquiries: if you email us at help@moneyzio.com, we'll hold that correspondence (your email address and message) for as long as reasonably needed to handle your enquiry.

Why it is collected

We collect the minimum data described above to operate the site's free tools, remember your cookie choice, respond to enquiries, and — where you've consented — fund the site through advertising.

How long it is stored

Calculator inputs are never stored by us at all — they exist only in your browser session. Your cookie consent and Reading Mode preferences remain in your browser's local storage until you clear it or change your choice. Contact email correspondence is kept only as long as needed to deal with your enquiry and for a reasonable period afterwards for our records.

Third-party sharing

We share data with the following third parties, and only where applicable:

  • Google Ads — if you accept advertising cookies, Google may collect and process data to serve and measure adverts on this site, in accordance with Google's own privacy policy.

We do not sell your personal data, and we do not share it with any other third party beyond what's described above.

Your rights under UK GDPR

Under the UK General Data Protection Regulation and the Data Protection Act 2018, you have the right to:

  • Be informed about how your data is used (this policy).
  • Access any personal data we hold about you.
  • Have inaccurate data corrected.
  • Have your data deleted ("the right to be forgotten"), where applicable.
  • Restrict or object to certain processing of your data.
  • Data portability, where applicable.
  • Withdraw consent at any time (e.g. by changing your cookie settings).
  • Complain to the Information Commissioner's Office (ICO), the UK's data protection regulator, if you believe your data has been mishandled.

To exercise any of these rights in relation to data we hold (such as contact correspondence), email us at help@moneyzio.com.

Contact details

Email: help@moneyzio.com

moneyzio.com, DS Unit 171088, PO Box 7169, Poole, BH15 9EL

🛡 Legal

Cookie Policy

Last updated: 1 August 2026

What are cookies?

Cookies are small text files placed on your device when you visit a website. Some are essential for the site to work; others are optional and used for things like advertising.

Essential cookies

These are strictly necessary for the site to function and cannot be switched off. On moneyzio.com, this is limited to remembering your cookie consent choice, stored using your browser's local storage rather than a traditional cookie.

  • moneyzio_cookie_consent — remembers whether you accepted or rejected advertising cookies, so we don't ask you every visit.
  • moneyzio_reading_mode — remembers whether you turned on Reading Mode, so your preference carries across pages.

Advertising cookies (non-essential)

We use Google Ads to display adverts and help fund this free site. If you accept advertising cookies, Google may set cookies on your device to serve and measure adverts, including for ad personalisation and frequency capping. These may include cookies such as those used for ad delivery, conversion tracking, and fraud prevention, set by Google's advertising domains.

These cookies are only set if you actively accept them. Nothing from Google Ads loads on this site until you click "Accept" on the cookie banner or in Cookie Settings.

How we ask for consent

On your first visit, a cookie banner appears offering "Accept all" or "Reject non-essential". Neither option is pre-selected, and no advertising cookie is set until you actively choose "Accept". You can change your choice at any time using the "Cookie settings" link in the footer of every page.

How to manage or delete cookies

You can also manage or delete cookies through your browser's own settings, which typically let you view, block, or delete cookies on a site-by-site basis. Check your browser's help documentation for the exact steps, as these vary between browsers.

Contact

Questions about this Cookie Policy can be sent to help@moneyzio.com.

🛡 Legal

Terms & Conditions

Last updated: 1 August 2026

Who we are

moneyzio.com ("we", "us", "our") operates this website, providing free calculators and general guidance relating to UK salary, tax, and mortgages. By using this website, you agree to these Terms & Conditions. If you do not agree, please do not use the site.

Acceptable use

You may use this site for personal, non-commercial purposes to obtain general information and estimates. You agree not to:

  • Attempt to disrupt, damage, or gain unauthorised access to this website or its underlying systems.
  • Use automated tools to scrape or extract data from this site at scale without our permission.
  • Use this site or its outputs to mislead others, including presenting our estimates as official, regulated, or professional advice.
  • Submit unlawful, abusive, or harmful content through any input field on this site.

Calculator accuracy disclaimer

Every calculator and guidance tool on this site produces general estimates only. We aim to keep the figures, rates, and thresholds used up to date and accurate, but we do not guarantee their accuracy, completeness, or currency at any given time. See our Financial Disclaimer for further detail.

No professional advice clause

Nothing on this site constitutes financial, tax, legal, or other professional advice. We are not a firm of accountants, tax advisers, solicitors, or financial advisers, and we are not authorised or regulated by the Financial Conduct Authority (FCA). Use of this site does not create any client, advisory, or professional relationship between you and moneyzio.com.

Liability limitations

To the fullest extent permitted by law, moneyzio.com excludes all liability for any loss or damage arising from your use of, or inability to use, this website, or from reliance on any information, calculation, or guidance provided on it. This does not exclude or limit our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

This website and its tools are provided "as is" without warranties of any kind, whether express or implied.

Intellectual property

The design, text, calculators, and underlying code of this website are owned by moneyzio.com (or used under licence) and are protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this site's content without our prior written permission, except for your own personal, non-commercial use.

Changes to these terms

We may update these Terms & Conditions from time to time. The date at the top of this page shows when it was last updated. Continued use of the site after any changes means you accept the updated terms.

Governing law

These Terms & Conditions are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact

Questions about these terms can be sent to help@moneyzio.com.

🛡 Legal

Financial Disclaimer

Last updated: 1 August 2026

This is not financial advice

moneyzio.com is a free information website. Nothing on this site — including the Take-Home Pay calculator, Self-Assessment guidance, Mortgage Estimates calculator, Comparison tools, or Money News & Tips — constitutes financial advice, tax advice, legal advice, or a personal recommendation of any kind.

Calculations are estimates only

Every calculator on this site produces a general estimate based on the figures you enter and publicly available UK tax, National Insurance, and lending information. These estimates:

  • Do not account for every individual circumstance, allowance, or exception that may apply to you.
  • May differ from your actual payslip, tax return, or mortgage offer.
  • Are based on rates and thresholds believed accurate at the time of publication, which can change.

Seek a qualified professional for personalised guidance

For anything specific to your own financial, tax, or mortgage situation, please consult an appropriately qualified and, where relevant, regulated professional:

  • A qualified accountant or tax adviser for tax matters.
  • HM Revenue & Customs (HMRC) directly for Self-Assessment and tax queries.
  • A mortgage broker or adviser authorised and regulated by the Financial Conduct Authority (FCA) for mortgage or lending matters.

No regulated advice given

moneyzio.com is not authorised or regulated by the Financial Conduct Authority (FCA), is not a firm of accountants or tax advisers, and does not hold itself out as providing regulated financial services of any kind. Nothing on this site should be read as implying otherwise.

No liability for decisions made

moneyzio.com accepts no responsibility or liability for any decision made, or action taken, in reliance on the information or calculators provided on this site. See our Terms & Conditions for the full liability position.