Frequently asked questions

calcula·live is a free online calculator platform built for the UK. It brings together more than 180 tools for salary, tax, credit, finance, health, math, time, education and everyday needs. Every calculator shows the result instantly, along with the formula used and a worked example.

Yes, every calculator on calcula·live is completely free and needs no account, sign-up or install. Open the page, enter your values and get the result — at no cost and with no usage limit.

calcula·live is available in three languages: English (at /en/), Romanian (at /ro/) and Turkish (at /tr/). Every calculator, example and FAQ section is fully translated into all three, and each edition targets its own country — the UK, Romania and Türkiye.

calcula·live is developed and maintained by an independent team focused on correct calculations for UK rules. The tax formulas follow the HMRC rates and thresholds in force (income tax, National Insurance, VAT). For questions or corrections, email us at [email protected].

calcula·live offers more than 180 calculators, organised into categories such as salary, tax and VAT, credit, personal finance, health, math, time and date, education, auto and real estate. The full list is on the “All calculators” page.

Results are computed with the official formulas in force and are generally accurate for standard cases. They are, however, informational estimates: special situations (exemptions, special deductions, multiple incomes) can differ. For official decisions, verify with a professional or the relevant authority.

Yes. calcula·live uses the 2026/27 tax-year figures: a Personal Allowance of £12,570, income tax at 20%, 40% and 45% (rUK bands — Scotland has its own), employee National Insurance at 8%, VAT 20% and a National Living Wage of £12.71 an hour from 1 April. When rates change at a Budget, we update the default values.

No. Results on calcula·live are informational estimates and do not replace tax, legal or medical advice. For official filings, contracts or important decisions, verify the figures with a licensed accountant, a solicitor, your doctor, or directly with HMRC.

The formulas are based on official sources: HMRC rates and thresholds as published on GOV.UK, the National Minimum Wage regulations, The Pensions Regulator for auto-enrolment and, for exchange rates, European Central Bank references. Each page shows the formula and an example so you can check the calculation yourself.

We review the rates and formulas regularly, especially at the start of the tax year on 6 April and after Budget announcements. The date of the last review is marked in each page’s structured data, and the default values reflect the current rules.

No. The calculators on calcula·live run entirely in your browser, and the values you enter are not sent to and not saved on our servers. We create no accounts and keep no history of your calculations.

Yes. Because the calculations happen locally in your browser, sensitive data (incomes, amounts, personal details) never leaves your device. We only collect aggregate, anonymous usage statistics, with your consent, to improve the site.

We use necessary cookies for the site to work (for example, your chosen theme) and, only with your consent, analytics and advertising cookies. You can change your choices any time from “Cookie settings”. Full details are in the Privacy Policy.

Open the page of the calculator you want, fill in the fields (for example the amount, interest rate or weight) and the result updates instantly, without pressing a button. You can copy, share, print or email the result directly from the page.

Yes. calcula·live is optimised for phone, tablet and desktop. Pages load fast, are easy to use on small screens and require no app to install.

Yes. Almost any calculator can be embedded on another site for free with a widget-style code (script or iframe). It loads fast, resizes automatically and follows the host site’s theme. You will find the code on the “Add to your site” page.

You can use the search in the header, browse by category (salary, tax, credit, health and more), or open the “All calculators” page, which lists every available tool.

From 1 April 2026 the National Living Wage (21 and over) is £12.71 an hour. Lower bands apply to 18–20-year-olds, under-18s and apprentices. The take-home amount after tax and National Insurance depends on your hours; you can check it with the salary calculator.

The standard VAT rate in the UK is 20%, applied to most goods and services. A reduced 5% rate covers categories such as domestic energy, and many essentials — most food, books, children's clothes — are zero-rated. You can add or remove VAT with the VAT calculator.

On rUK bands you pay no income tax on the first £12,570 (the Personal Allowance), then 20% basic rate up to £50,270, 40% higher rate up to £125,140 and 45% above that. Scotland sets its own bands. Employee National Insurance (8%) is charged separately.

From gross pay, income tax is deducted on the part above the Personal Allowance according to the bands, plus employee National Insurance at 8% between the thresholds (2% above the upper limit), and any pension or student-loan deductions; what remains is your take-home pay. The net salary calculator runs all these steps automatically.

A monthly loan payment depends on the amount borrowed, the annual interest rate and the term in months, following the annuity formula. The longer the term, the smaller the payment, but the more total interest you pay. You can compute the payment and total interest with the loan calculator.