yCalculator
80 free calculators

UK finance calculators for every money decision

Business loans, tax, mortgages, crypto CGT, and financial independence โ€” updated for 2026.

Business Loan Repayment Calculator

Calculate monthly repayments, total interest and true cost of a business loan

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APR Calculator

Calculate the true annual percentage rate on a loan including interest, arrangement fees, insurance and mandatory charges

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Merchant Cash Advance Calculator

Calculate the true cost of a merchant cash advance and convert factor rates to APR

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Invoice Finance Cost Calculator

Calculate the cost of invoice factoring and invoice discounting for your business

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Business Runway Calculator

Calculate how many months of runway your business has before running out of cash

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Start Up Loan Repayment Calculator

Calculate repayments on a government-backed UK Start Up Loan

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Business Loan Eligibility Checker

Check whether your business is likely to qualify for a UK business loan

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Cash Flow Gap Calculator

Calculate the funding gap caused by the difference between paying suppliers and receiving payment from customers

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Working Capital Calculator

Calculate your working capital ratio and assess your business liquidity

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Late Payment Interest Calculator

Calculate statutory interest and compensation on late payments from UK business customers

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R&D Tax Credit Calculator

Estimate your R&D tax credit claim under the UK SME and RDEC schemes

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Break-Even Calculator

Calculate your break-even point in units and revenue for your business

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VAT Calculator

Add or remove VAT from any amount. Covers standard, reduced and flat rate schemes.

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Dividend vs Salary Calculator

Find the most tax-efficient way to pay yourself from your limited company

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Corporation Tax Calculator

Calculate your UK corporation tax liability including marginal relief

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Employer NI Cost Calculator

Calculate the true employment cost including employer National Insurance and pension contributions

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IR35 Status Indicator

Assess whether your contract is likely inside or outside IR35

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Profit Margin Calculator

Calculate gross, operating and net profit margins for your business

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Unit Economics Calculator

Calculate CAC, LTV, payback period and LTV:CAC ratio for your business

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Equity Dilution Calculator

Calculate how much your shareholding is diluted by a funding round

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SEIS / EIS Tax Relief Calculator

Calculate the tax relief available to investors under the SEIS and EIS schemes

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Statutory Sick Pay Calculator

Calculate SSP entitlement and cost for employees off sick

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Debt Service Coverage Ratio Calculator

Calculate your DSCR to assess whether your business can afford new debt

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Loan vs Equity Calculator

Compare the true cost of debt financing against giving up equity in your business

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Early Repayment Cost Calculator

Calculate the penalty and true saving from repaying a business loan early

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Bridging Loan Cost Calculator

Calculate the total cost of a bridging loan including monthly interest and arrangement fees

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Asset Finance Calculator

Compare hire purchase and finance leasing costs for business assets

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Apprenticeship Levy Calculator

Calculate your apprenticeship levy contribution and available training fund

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Maternity and Paternity Pay Calculator

Calculate statutory maternity, paternity, and shared parental pay for employers and employees

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Pricing Calculator

Calculate selling price from cost using markup or margin. Convert between markup and margin instantly.

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Churn and Revenue Impact Calculator

Calculate customer lifetime value and the revenue impact of reducing churn for subscription businesses

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Business Capital Gains Tax Calculator

Calculate CGT on business asset disposals including Business Asset Disposal Relief (formerly Entrepreneurs Relief)

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Commercial Property Stamp Duty Calculator

Calculate Stamp Duty Land Tax on commercial property purchases in England

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Business Lease Cost Calculator

Calculate the total cost of a commercial property lease including rent-free periods and rent reviews

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Founder Salary Affordability Calculator

Calculate how much salary you can afford to pay yourself as a founder without harming your business

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