UK Money Checks
Making money simpler. Free calculators and plain-English guides for UK tax, VAT and household bills, based on GOV.UK figures for the 2026/27 tax year.
Last updatedA self-employed driver doing 11,000 business miles a year pays about
less tax and National Insurance by claiming simplified mileage, at the basic rate.
See the working
Calculators
Put your own numbers in, get an estimate and the working.
VAT calculator (UK)
Add VAT to a price or remove it from a total at 20%, 5% or any rate, with the working shown.
20%standard rateDo I need to charge VAT? (UK)
Check whether you need to charge VAT and at what rate (20%, 5%, 0% or exempt), based on registration, what you sell and where your customer is.
20 / 5 / 0%VAT ratesSelf Assessment late penalty calculator (UK)
Work out late filing penalties, late payment penalties and interest on a 2025/26 tax return due 31 January 2027.
31 Jan2027 deadlineFinancial check-up (UK)
Quick prompts for common money opportunities: ISA headroom, child benefit charge risk, pension reminders and more. Estimates only.
£20,000ISA allowanceMileage vs actual vehicle costs (UK)
Compare HMRC simplified mileage vs actual running costs using your business miles and (optional) annual costs.
55pper mile 2026/27Sole trader vs limited company (UK)
Rough take-home comparison using simple profit + salary/dividend assumptions. Estimates only.
19–25%corporation taxVAT threshold calculator (UK)
Check your rolling 12-month turnover against the £90,000 VAT threshold and get your registration deadline.
£90,000rolling 12 monthsUK VAT number checker
Check a UK VAT number’s format and check digits, then confirm it with HMRC’s official lookup.
GB + 9digits
How we work things out
- Official sourcesEach calculator links the GOV.UK pages its figures are based on.
- Workings shownResults come with the sums behind them, so you can check them.
- DatedEvery page shows when it was last updated. Check the date and the GOV.UK links before relying on a result.
Guides
Step-by-step answers with a checker in each.
Council tax during probate (UK)
A practical, step-by-step checker for what to do and what to ask your council when a property is in probate.
6 monthsafter probateCouncil tax on an empty property (UK)
Work out what typically happens when a home is empty, what discounts/exemptions may apply, and what to ask your council.
1 yearpremium can startStudent loan and mortgages (UK)
How student loan repayments affect affordability checks and what lenders usually look at.
9%over thresholdVAT: digital services UK vs EU
A practical explainer of common VAT considerations for digital services sold across the UK/EU.
Charging VAT when not VAT registered (UK)
What you can/can’t charge, how to word invoices, and what to do if you made a mistake.
£90,000VAT thresholdVAT refund threshold (UK)
When VAT refunds can happen, common reasons, and what records usually help.
4 yearspre-registration goodsDoes zero-rated VAT count toward the VAT threshold? (UK)
Clarifies how zero-rated supplies typically count toward VAT taxable turnover and what to check next.
£90,000VAT threshold