Free tools for UK business owners
Tax calculators, interactive games, planning tools, and educational explainers. All free, no signup, updated for 2026/27.
72 free tools across 5 categories
Tax calculators(26)
View all tax tools →Salary & dividend calculator
Find the most tax-efficient salary and dividend split for your limited company.
Sole trader vs limited company
Compare take-home pay under each structure side by side.
Corporation tax calculator
See your tax bill, marginal relief and effective rate.
VAT registration calculator
Check if you should register and compare VAT schemes.
True employee cost calculator
See the real cost including employer NIC and pension.
Pension tax relief calculator
See your tax relief at your marginal rate.
Capital gains tax calculator
Calculate CGT on property or other assets.
Tax code checker
Plain English explanation of what your tax code means.
Expense eligibility checker
Swipe right if allowable, left if not. 20 expense cards.
Late filing domino effect
Watch penalties cascade as the days tick past the deadline.
Mileage claim calculator
Log journeys and see your HMRC claim at 45p/25p rates.
Side hustle tax checker
Find out if HMRC needs to know about your side income.
Dividend vs pension
Compare the tax cost of dividends vs pension contributions.
April 2026 changes cost calculator
Total annual cost of every April 2026 change stacked together.
The claimable home office
Tap items to discover what is claimable and how much.
The 2026/27 tax edition
Every tax change from April 2026 in one interactive page.
CIS payment flow
Watch your CIS money split between you and HMRC.
Dividend tax change calculator
2025/26 vs 2026/27 dividend tax compared side by side.
Tax-free income stacker
Stack every UK tax-free allowance and see the total.
Employer NIC cost calculator
True employment cost with 15% NIC and pension.
Pension contribution optimiser
See your tax relief and the 60% taper trap impact.
Landlord mortgage restriction
See how Section 24 affects your rental income tax.
Scottish vs rest of UK tax
7 Scottish bands vs 4 UK bands compared at any income.
Should I incorporate? The numbers
Sole trader vs limited company tax at your profit level.
Profit extraction planner
Drag the salary slider and find the optimal split.
IR35 calculator
Inside vs outside vs permanent take-home compared.
Business calculators(10)
View all →Profit margin calculator
True profit per unit or per job after all costs.
Where does your revenue go?
Visual waterfall chart showing how revenue cascades to profit.
Break-even calculator
How many sales to cover all costs and start making profit.
Build your price
Stack cost layers, add margin, see the price visually.
What should I charge?
Enter costs and target margin to see your selling price.
The late payment clock
Watch unpaid invoice costs tick upwards in real time.
Markup vs margin converter
Instantly convert between markup and margin.
Late payment cost calculator
What slow-paying customers cost your business each year.
Business loan calculator
Monthly repayments, total interest, and amortisation schedule.
E-commerce profitability calculator
True margins after marketplace fees, FBA, shipping, and returns.
Quizzes & games(16)
View all →Cash flow survival game
Can you keep a business alive for 12 months? Most players go bust.
Business financial health score
10 questions assessing your financial state with recommendations.
Sole trader, limited, or something else?
Follow the decision tree to a clear structure recommendation.
Financial visibility score
Score your financial management practices across 5 areas.
Is my business cyber-safe?
8-question traffic light assessment across key security areas.
Do I need an accountant?
6 honest questions. Sometimes the answer is no.
Director duties bingo
16 legal duties. Tap each card and tick the ones you do.
Are you overpaying tax?
8 questions estimating your potential annual saving.
20 questions for your accountant
Essential questions every business owner should be asking.
Should I incorporate?
Beyond the tax numbers — practical factors that matter.
Your MTD path
4 questions to find your Making Tax Digital obligations.
MTD readiness check
Score your Making Tax Digital preparation.
2026/27 business readiness scorecard
12-area assessment for the year ahead.
What type of business owner are you?
Discover your financial management personality.
CIS status check
Find out which CIS deduction rate applies to you.
Year-end tax checklist generator
Personalised actions to take before your year-end.
Planning tools(9)
View all →Cash flow simulator
12-month visual forecast. Spot danger months before they arrive.
My tax year timeline
Every HMRC deadline mapped out for your business type.
Cost of waiting calculator
How much is slow financial data costing your business?
The hiring decision
Hire, outsource, or push through? Each path shows the costs.
How much should an accountant cost?
Realistic fee estimates based on your business type.
Your business risk map
Click risks to see likelihood, impact, and mitigation steps.
Growth readiness scorecard
Can your business handle rapid growth? 10 questions.
Your cash runway
How many months until cash runs out? Adjust to extend.
The 90-day test
What happens if you cannot work for 90 days?
Test your knowledge(11)
View all →Follow the £100
Follow a sale through 5 businesses. See how VAT actually works.
Spot the allowable expense
20 items — which are allowable for tax?
The tax tower
Drag a slider and watch tax bands fill up visually.
The profit illusion
Profitable sale, negative cash. The story in 6 steps.
Tax knowledge quiz
10 questions with surprising UK tax facts.
The accounts explorer
Click any line in a P&L for plain-English explanation.
Your HMRC file
Flip cards revealing what HMRC already knows about you.
The tax minefield
Navigate a grid. Step on a mine and learn the mistake.
Your total tax pie
Enter income and see every tax you pay in a pie chart.
Financial jargon buster
50+ terms explained in plain English. Searchable.
Is it construction? CIS swipe game
Swipe right if it falls under CIS, left if not.
Want the full picture?
These tools give you a starting point. A qualified accountant can identify savings and opportunities that a calculator cannot show. Book a free 15-minute discovery call — no obligation.
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