Money sums made simple
Free, friendly calculators for the money questions we all ask: inheritance, pensions, mortgages and care. Clear answers in plain English, with the working shown.
- Free, no sign-up
- UK rules
- Checked against GOV.UK
Money and tax
Inheritance tax
Your bill now and from April 2027, when unused pensions join your estate.
Take-home pay
Your pay after tax, National Insurance, pension and student loan, each month.
Stamp duty
Tax on your new home in England, Scotland or Wales, plus the total cash you need.
The £100k tax trap
How much to pay into your pension to get back under £100,000 and keep your personal allowance and childcare.
Overpay or save
Compare overpaying with saving, see interest saved, and check your payment when your fix ends.
Child Benefit charge
How much Child Benefit you keep between £60,000 and £80,000, and how a pension can help.
Childcare costs and Tax-Free Childcare
What you’ll pay, and what the government adds.
Energy bill under the price cap
Your bill from your own usage, each quarter.
Health and care
Care home fees
How long your money pays for a care home, when the council helps, and whether your home counts.
Prescription PPC
See if a prescription prepayment certificate saves you money.
NHS dental charges
Your NHS dental charge in England or Wales, compared with a private quote.
Why people use Everyday Sums
- Plain English. No jargon. If we use a tax term, we explain it.
- Always current. Every page shows when we last checked it against GOV.UK.
- Private. Your numbers stay on your phone or computer. We never see them.
Rent out a property? Our sister site Landlord Sums has free calculators for landlords.