# Boring Math Calculators

> Free online calculators for UK tax, personal finance, business, health, and everyday maths. All calculators run in-browser with no signup required.

## UK Tax & Finance Calculators
- [UK Tax Calculator](https://boring-math.com/calculators/uk-tax-calculator): Calculate take-home pay after income tax, National Insurance, and student loan deductions for any UK salary.
- [UK 100k Tax Trap Calculator](https://boring-math.com/calculators/uk-100k-tax-trap-calculator): See the 60% effective tax rate between £100,000-£125,140 where personal allowance tapers.
- [Salary Sacrifice Calculator](https://boring-math.com/calculators/uk-salary-sacrifice-calculator): Compare take-home pay with and without salary sacrifice pension contributions, including employer NIC savings.
- [UK Pension Calculator](https://boring-math.com/calculators/uk-pension-calculator): Project pension pot growth, retirement income, and shortfall analysis.
- [UK Student Loan Calculator](https://boring-math.com/calculators/uk-student-loan-calculator): Model repayments for Plan 1, 2, 4, and 5 student loans with interest and write-off projections.
- [Contractor vs Employee Calculator](https://boring-math.com/calculators/contractor-vs-employee-calculator): Side-by-side comparison of contractor day rates vs equivalent employee salaries after tax.
- [UK Dividend Tax Calculator](https://boring-math.com/calculators/uk-dividend-tax-calculator): Calculate dividend tax liability for company directors and shareholders.
- [UK Capital Gains Tax Calculator](https://boring-math.com/calculators/uk-capital-gains-tax-calculator): Estimate CGT on property, shares, and other assets.
- [Inheritance Tax Calculator](https://boring-math.com/calculators/inheritance-tax-calculator): Estimate IHT liability including nil-rate band and residence nil-rate band.
- [UK Stamp Duty Calculator](https://boring-math.com/calculators/uk-stamp-duty-calculator): Calculate SDLT for residential property purchases in England and Northern Ireland.
- [Stamp Duty Scotland](https://boring-math.com/calculators/stamp-duty-calculator-scotland): LBTT calculator for Scottish property purchases.
- [Stamp Duty Wales](https://boring-math.com/calculators/stamp-duty-calculator-wales): LTT calculator for Welsh property purchases.
- [Council Tax Calculator](https://boring-math.com/calculators/council-tax-calculator): Look up council tax bands and amounts by local authority.
- [UK Child Benefit Calculator](https://boring-math.com/calculators/uk-child-benefit-calculator): Calculate child benefit including High Income Child Benefit Charge.
- [UK Employer Cost Calculator](https://boring-math.com/calculators/uk-employer-cost-calculator): Total cost of employing someone including employer NIC and pension.
- [UK Nursery Cost Calculator](https://boring-math.com/calculators/uk-nursery-cost-calculator): Estimate childcare costs with tax-free childcare and funded hours.

## Personal Finance Calculators
- [Compound Interest Calculator](https://boring-math.com/calculators/compound-interest-calculator): Model compound growth with regular contributions, different compounding frequencies.
- [Savings Goal Calculator](https://boring-math.com/calculators/savings-goal-calculator): How much to save monthly to reach a target amount.
- [FIRE Calculator](https://boring-math.com/calculators/fire-calculator): Financial independence / retire early projections.
- [Debt Payoff Calculator](https://boring-math.com/calculators/debt-payoff-calculator): Snowball and avalanche debt repayment strategies.
- [Mortgage Calculator](https://boring-math.com/calculators/mortgage-calculator): Monthly payments, total interest, and amortisation schedule.
- [Buy vs Rent Calculator](https://boring-math.com/calculators/buy-vs-rent-calculator): Compare the long-term cost of buying vs renting.
- [Net Worth Calculator](https://boring-math.com/calculators/net-worth-calculator): Track assets and liabilities.
- [Emergency Fund Calculator](https://boring-math.com/calculators/emergency-fund-calculator): How much emergency savings you need.
- [Inflation Calculator](https://boring-math.com/calculators/inflation-calculator): Purchasing power and inflation-adjusted values.
- [Loan Calculator](https://boring-math.com/calculators/loan-calculator): Monthly payments and total cost for any loan.

## Business & Freelance Calculators
- [Freelance Day Rate Calculator](https://boring-math.com/calculators/freelance-day-rate-calculator): Convert annual salary to equivalent contractor day rate.
- [Consulting Rate Calculator](https://boring-math.com/calculators/consulting-rate-calculator): Calculate consulting hourly/daily rates based on target income.
- [Break Even Calculator](https://boring-math.com/calculators/break-even-calculator): Find your break-even point for products or services.
- [Pricing Calculator](https://boring-math.com/calculators/pricing-calculator): Cost-plus and margin-based pricing.
- [SaaS Metrics Calculator](https://boring-math.com/calculators/saas-metrics-calculator): MRR, ARR, churn, LTV, CAC calculations.
- [Startup Cost Calculator](https://boring-math.com/calculators/startup-cost-calculator): Estimate initial business setup costs.
- [Side Hustle Profitability Calculator](https://boring-math.com/calculators/side-hustle-profitability-calculator): Is your side hustle actually making money after all costs?

## Documentation
- [All Calculators](https://boring-math.com/calculators): Browse all 120+ calculators by category.