Understand your finances.
Get accepted for credit.
Free calculators and plain-English guides to help you make smarter financial decisions.
Rated Excellent
Free calculators
Salary & tax
Take-home pay, self-employed tax, dividends and more.
See calculators →Mortgage & property
Repayments, stamp duty, overpayments and affordability.
See calculators →Debt & credit
Loan repayments, credit cards, car finance and more.
See calculators →Savings & retirement
Compound interest, savings goals, pensions and ISAs.
See calculators →Most popular calculators
What is Accepted.co.uk?
Accepted.co.uk is a free UK personal finance website built around one simple idea: everyone deserves clear, honest information about their money. We build free calculators and plain-English guides to help you understand your take-home pay, plan your mortgage, manage debt, and make smarter decisions about savings and credit — without the jargon, paywalls or sales pitches.
We cover the full range of personal finance — from salary and tax calculators updated for 2026/27, to mortgage repayment tools, credit card payoff planners, compound interest calculators, and business finance tools for limited company directors, sole traders and small business owners. Everything is free to use, instantly, with no account required.
Always free
Every calculator and guide on Accepted.co.uk is completely free. No subscription, no sign-up, no hidden costs — just the answers you need, instantly.
Up to date
Our calculators are updated every April for the new tax year. Income tax bands, National Insurance thresholds, stamp duty rates and ISA allowances are always current.
Plain English
Finance can be confusing. We cut through the jargon and explain things the way a knowledgeable friend would — clearly, honestly, and without an agenda.
Frequently asked questions
Are the calculators really free?
Yes — completely free. There's no sign-up, no subscription and no paywall. Every calculator on Accepted.co.uk is free to use as many times as you like.
How accurate are the results?
Our calculators use the latest HMRC tax rates and thresholds, updated every April. Results are estimates based on the information you enter — they're designed to give you a clear, reliable picture, but we always recommend checking with a qualified advisor before making major financial decisions.
What calculators do you have?
We have over 20 free calculators across five categories: salary and tax (including take-home pay, self-employed tax and dividends), mortgage and property (repayments, stamp duty, affordability), debt and credit (loans, credit cards, car finance), savings and retirement (compound interest, ISAs, pensions), and business calculators (VAT, corporation tax, salary vs dividends).
Can I get my results by email?
Yes. Every calculator has a "Get this calculation by email" option. Just enter your email address and we'll send you a summary of your results to keep for reference. We never share your email address with third parties.
Is this financial advice?
No. Accepted.co.uk provides free financial information and tools, not regulated financial advice. Our calculators give you accurate estimates to help you understand your situation, but for personalised advice tailored to your circumstances, please speak to an FCA-regulated financial advisor.