— Free calculators · Tax year 2026/27 · No sign-up
The calcs, free. The working, shown.
Every tool below runs the same engine and the same versioned tax-year config the signed-in suite uses — with the HMRC citations on the page.
Nothing is saved server-side; nothing leaves your browser without you clicking. Sign in only when you want to save to a client or download the compliance PDF. How we verify the numbers.
— Investment bonds
Top-slicing relief calculator
The five-step TSR computation with the Step-4 PSA recalc shown explicitly — the rule HMRC clarified in 2021 and many tools still skip.
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Chargeable event gain calculator
Gain on full surrender, the 5% tax-deferred allowance position, and a three-route withdrawal comparator — from the certificate figures.
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— Lump sum allowances
Lump sum allowance (LSA) calculator
Remaining LSA after prior crystallisations, what a planned PCLS consumes, and the excess (if any) taxed at marginal rate.
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Lump sum and death benefit allowance (LSDBA) calculator
The £1,073,100 death-benefit-side allowance: what an SIH or death-benefit lump sum consumes and what remains.
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Transitional tax-free amount certificate (TTFAC) calculator
Default 25%-of-LTA deduction vs the actual-TFC evidence path, side by side — including the cases where a TTFAC makes things worse.
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— Pension annual allowance
Pension annual allowance calculator
The whole AA position on one screen — standard allowance, taper, MPAA interaction, carry-forward and the chargeable amount.
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Pension carry forward calculator
Unused allowance from the three prior years, consumed oldest-first, with the statutory ordering shown — per PTM055100.
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Tapered annual allowance calculator
Threshold income, adjusted income, the £1-for-£2 reduction and the floor — the high-earner taper per PTM057100.
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DB pension input amount calculator
Closing capital value minus the CPI-revalued opening value, 16× the pension only — the PTM053100 method, shown step by step.
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— When you're ready
Save the calc to a client + get the branded compliance PDF.
3 free calcs / month · no card required · cancel any time.