Online Finance Calculators
Quick, accurate tools to help you check repayments, tax relief, VAT, CIS deductions and more. Use these free SBX calculators to plan costs and make clearer financial decisions before you act.
Know before you ask.
Free calculators, practical guides and useful resources to help you make confident business decisions. Every figure is an estimate we confirm with you.
Salary vs dividends
Drag your income to see the most tax-efficient way to pay yourself from a limited company.
Take-home earnings
Estimate your net pay after Income Tax and National Insurance.
VAT calculator
Add VAT to a net figure, or strip it out of a gross figure, at any UK rate.
Loan / HP repayment
Estimated repayments on a personal loan or hire-purchase agreement.
Corporation tax and marginal relief
Between £50,000 and £250,000 of profit your company pays neither 19% nor 25%. See what you actually owe, and what the next pound costs.
Associated companies share the £50,000 and £250,000 limits between them, so each extra company brings the higher rate on sooner. Dormant companies don’t count.
CIS deduction
Work out the CIS tax to deduct from a subcontractor payment, after materials.
Business expense tax savings
Estimate the tax you could save by claiming allowable business expenses.
Credit card repayment
See how long it takes to clear a balance, and what minimum payments really cost.
Am I affected by Making Tax Digital?
MTD means quarterly online submissions for many sole traders and landlords. Two quick questions tell you if it applies.
It’s an old return that decides it. HMRC looks back at your 2024/25 return, the one due on 31 January 2026. If the self-employment and rental income on it came to more than £50,000, you’re in from 6 April 2026 and your first quarterly update is due 7 August 2026. What you earn this year doesn’t change that.
It’s turnover, not profit. HMRC counts income before expenses, and adds self-employment and property together. £32,000 of trade plus £24,000 of rent is £56,000, so it counts even though the profit is far smaller.
What actually changes. Digital records, four quarterly updates a year, then your tax return as usual. The updates are running totals rather than four separate returns, and your payment dates don’t move.
Use these free SBX calculators to estimate repayments, tax relief, CIS deductions, take-home pay, VAT and credit card payoff. For tailored advice or complex cases, please contact SBX Accountants.
Loan / HP Repayment Calculator
Work out estimated monthly, weekly or yearly repayments on personal loans or hire-purchase agreements using a simple APR and term input.
See your payment amount, total repayable and total interest for a clear view before you commit.
CIS Deduction Calculator
Calculate CIS tax deductions on subcontractor payments after materials. Choose 20%, 30% or gross status and see what to pay and what to report to HMRC.
Useful for contractors preparing CIS300 and keeping site payments accurate.
Business Expense Tax Savings Calculator
Estimate how much tax you could save on work-related expenses such as professional fees, tools, mileage, home-working and other allowable costs.
Select your tax band to see total eligible expenses and an estimated annual and monthly tax saving.
Credit Card Payoff Calculator
See how long it could take to clear your credit card at different payment levels and interest rates, and how much interest you might pay.
Compare minimum payments with fixed amounts to plan faster debt reduction.
Take-Home Earnings Calculator
Estimate your net pay after Income Tax and National Insurance based on your gross earnings, tax code and pay frequency.
Helpful for employees, contractors and directors planning cash flow and budgeting.
VAT Calculator
Calculate VAT on any amount using standard, reduced or zero UK VAT rates. Add VAT to net prices or remove VAT from gross figures for quick estimates.
Helpful for businesses checking invoices, preparing quotes or confirming VAT amounts for bookkeeping.
Need advice beyond the calculators?
These SBX tools give useful estimates, but they do not replace tailored tax and accounting advice. If you have multiple income sources, complex reliefs or questions about HMRC rules, our team can review your position in detail.
Before you rely on a number.
Get in touchYes, all SBX calculators are free to use and provide clear estimates for repayments, tax relief, VAT, CIS deductions, take-home pay and credit card payoff.
No. The calculators offer simple estimates. For complex income, multiple allowances or tax planning, you should speak with SBX Accountants.
Yes, all tools use current UK tax rates, VAT bands and CIS rules to give accurate calculations.
You can use the loan repayment calculator, CIS deduction calculator, business expense tax savings calculator, credit card payoff calculator, take-home earnings calculator and VAT calculator.
Talk to chartered accountants in London & Slough.
SBX helps you stay compliant & keep more of what you earn with expert tax, accounts, and bookkeeping services.