Money calculators you can trust
Plan a mortgage, clear your debts, grow your savings and see your real take-home pay, with clear charts and plain-English answers.
Calculators
Mortgage Calculator
Your monthly payment, total interest and a year-by-year breakdown — for a home loan on either side of the Atlantic.
US & UKLoan Calculator
See what a personal, car or other fixed-rate loan really costs each month, and how much interest you will pay in total.
US & UKCompound Interest Calculator
Watch savings grow over time, with regular top-ups included and a year-by-year table to check the numbers.
US & UKCredit Card Payoff Calculator
How long will that balance take to clear? See the months, the interest along the way, and the payment that could make you debt-free in 12 or 24 months.
US & UKSavings Goal Calculator
Set a target — a deposit, a safety net, a holiday — and see the monthly saving that gets you there, with interest included.
USUS Paycheck Calculator
An estimate of your take-home pay after federal tax, Social Security, Medicare, 401(k) and state tax, based on recent published IRS figures. Your exact pay depends on your situation.
UKUK Take-Home Pay Calculator
Your take-home pay after Income Tax, National Insurance, student loan and pension, based on recent published HMRC figures — your exact result depends on your circumstances.
US & UKHourly to Salary Calculator
Hourly rate in hand? See it as annual, monthly, biweekly and weekly pay. Got a salary instead? Work out what it means per hour.
UK · England & NIStamp Duty Calculator
Buying in England or Northern Ireland? Check the duty due, with first-time buyer relief and the second-home surcharge included.
UK & USSalary After Tax
What £25k–£60k and $50k–$100k salaries are actually worth after tax, shown month by month.
Latest guides
- How credit scores work in the UK and US — and how to build yoursA credit score is one of those numbers that seems to follow you everywhere, from renting a flat … Read more
- Paying Your Mortgage Biweekly: Does It Save You Money?Paying your mortgage every two weeks, instead of once a month, is often sold as a simple trick … Read more
- How to Read Your Payslip (UK) and Pay Stub (US)Your payslip in the UK, or pay stub in the US, is more than a record of what … Read more
- Hourly Pay vs Salary: Which Is Better for You?A job offer is rarely just a headline number. One role may pay $25 an hour, another may … Read more
- How to Budget When Your Income Varies Each MonthBudgeting is much harder when your income changes every month. Freelancers, seasonal workers, shift workers, and people paid … Read more
- Paying Off a Loan Early: Pros and ConsPaying off a loan early can feel like a clear win: fewer payments, less interest, and the relief … Read more
Why use PennyCalcs?
- No sign-up, no tracking of your numbers. Every calculation runs in your browser.
- Built for US & UK rules. Paycheck tools use recent published IRS and HMRC figures; your exact figures depend on your situation.
- Explained in plain English. Each tool shows the formula and a worked example.