VitalStep

Financial Calculators

UK-specific calculators to help you plan your finances, budget effectively, and make informed property decisions.

Some calculators offer basic features for free with premium insights for subscribers.

Tax Tools

Income Tax Calculator

Free Basic

Calculate your take-home pay after UK income tax, National Insurance, and other deductions.

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Capital Gains Tax Estimator

Estimate your Capital Gains Tax liability on property, shares, and other assets based on current UK tax rates.

Dividend Tax Calculator

Free Basic

Work out your dividend tax liability based on current UK rates for basic, higher, and additional rate taxpayers.

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Tax Optimization Planner

Optimize your tax strategy with advanced planning tools for ISAs, pensions, and investment structures.

ISA vs Pension Optimizer

Free Basic

Compare investment growth and tax benefits between ISAs and Pensions based on your income and employer contributions.

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ISA vs Pension Comparison

Detailed comparison tool to help you decide between ISA and pension contributions based on your circumstances.

Property & Mortgage

Mortgage Affordability Calculator

Free Basic

Find out how much you could borrow for a mortgage in the UK based on your income and financial commitments.

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Mortgage Repayment Calculator

Calculate your monthly mortgage payments based on loan amount, interest rate, and term.

Stamp Duty Calculator

Calculate how much Stamp Duty Land Tax (SDLT) you'll pay when buying property in England or Northern Ireland.

Buy vs Rent Analyzer

Free Basic

Compare the financial benefits of buying vs renting property over time, including costs, investment returns, and flexibility.

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Property Investment ROI Calculator

Free Basic

Analyze the return on investment for property investments, including rental yield, cash flow, and capital appreciation.

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Savings & Investment

Savings Goal Calculator

Plan how to reach your savings goals. Calculate how much you need to save regularly to meet your target.

Budget Planner Calculator

Create a detailed monthly budget with our interactive calculator. Track income, expenses, and savings targets.

Compound Interest Calculator

Free Basic

See how your investments can grow over time with the power of compound interest and regular contributions.

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Scenario Builder

Build and compare multiple financial scenarios to make informed decisions about your financial future.

Portfolio Analyzer

Analyze your investment portfolio performance, diversification, and optimize your asset allocation strategy.

Retirement Income Predictor

Free Basic

Project your retirement income from different sources and ensure you'll have enough to live comfortably.

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Debt Payoff Calculator

Compare debt snowball vs avalanche methods to find the fastest way to become debt-free and save on interest.

Spending Analysis Tool

Analyse your spending patterns and discover opportunities to save money with detailed category breakdowns.

Credit Card Payoff Optimizer

Optimize your credit card payoff strategy, compare payment plans, and explore balance transfer options.

Crypto Portfolio Tracker

Track cryptocurrency investments with real-time prices, profit/loss analysis, and portfolio insights.

Cash Flow Forecast

Project your business cash flow with monthly breakdowns, scenario planning, and working capital analysis.

Invoice Tracker

Manage invoices, track payments, send automated reminders, and forecast cash collection patterns.

Business Expense Manager

Track business expenses by category, manage receipts, and maximize tax deductions with VAT tracking.

Home & Lifestyle

Carbon Footprint Calculator

Calculate your home's environmental impact and get personalised recommendations to reduce emissions and save money.

Space Optimisation Planner

Maximise your living space with smart furniture placement and storage solutions tailored to your room dimensions.

Moving Cost Calculator

Plan your move with comprehensive expense tracking, timeline management, utility transfers, and tax deduction calculations.

Family Planning

Education Cost Planner

Plan and save for your child's university education with tax-efficient strategies and inflation projections.

Family Budget Collaboration

Collaborate on family finances with shared expense tracking and fair contribution calculations.

Inheritance Tax Planning

Calculate potential inheritance tax and discover strategies to protect your family's wealth.

Calculator Features

Compare features available in free vs premium calculators

FeatureFreePremium
Basic calculations
Visual charts & graphsLimited
Detailed breakdowns
Save calculations
Advanced scenarios & comparisons

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