Free calculators and tools

Every one of these runs entirely in your browser. No account, no adverts on these pages, and none of your figures are sent to a server. They are part of Palarid, a private personal workspace with more than a hundred tools.

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Run a site of your own? Embed any of these free — one line of HTML, no sign-up, and it tracks none of your visitors.

Money

State Pension age calculatorThe exact day you reach State Pension age, from the DWP timetable — including the rise to 67 now under way Redundancy pay calculatorStatutory redundancy pay by age and service, with the £751 weekly cap from April 2026 Maternity pay calculatorStatutory Maternity Pay for all 39 weeks: 90% for six weeks, then £194.32 or 90% Holiday entitlement calculatorStatutory leave in days or hours — part-time, irregular hours and starting mid-year Inheritance tax calculatorBoth tax-free thresholds, what a late spouse left unused, the £2m taper and the 36% charity rate Capital gains tax calculatorThe £3,000 allowance, then 18% or 24% — and what spreading a sale over two years would save Dividend tax calculatorThe £500 allowance, then 10.75%, 35.75% or 39.35% — band by band Stamp duty calculatorEngland and NI, Scotland (LBTT) and Wales (LTT), band by band National Insurance calculatorWhat NI costs, why the rate falls at £50,270, and what it buys Salary to hourlyYour real rate per hour, counting the days you actually work Hourly to salaryAn hourly rate as a yearly, monthly and weekly wage, with take-home per hour Pro rata salaryPart-time pay from a full-time salary, with holiday in hours Bonus taxWhat you keep from a bonus after tax, NI and student loan Self-employed taxSole trader income tax and Class 4 NI — and the payment on account that makes January bigger Overtime pay calculatorTime and a half or double time, and what survives your marginal rate Savings goal calculatorHow long to reach a target, or what to save each month to hit a date 50/30/20 budget calculatorNeeds, wants and savings — and whether the rule survives your rent Discount calculatorSale prices, and why 20% then 10% off is not 30% off Mortgage calculatorMonthly payment, total interest, and what a rate change actually costs Rent vs buyThe full comparison, including the costs of buying people forget Take-home pay calculatorSalary after tax, NI, pension and student loan — every band shown Scottish income tax calculatorAll six Scottish bands, compared side by side with England Student loan repayment calculatorPlans 1, 2, 4, 5 and Postgraduate — including combined loans Salary sacrifice calculatorThe tax AND National Insurance saving — what £100 really costs ISA allowance 2026/27The £20,000 limits, the LISA bonus, and the 2027 cash ISA cut UK tax estimatorIncome tax and National Insurance from a gross salary Debt payoff calculatorSnowball versus avalanche, with the real interest difference Emergency fundHow much you need, and when you will reach it Compound interestWhat regular saving becomes over time Pension calculatorProjected pot and what it might pay you Net worth trackerAssets minus liabilities, tracked over time Subscription trackerThe true annual cost of everything billed monthly Percentage calculator% of, percent-of, and percentage change — with the working shown VAT calculatorAdd or remove 20% VAT correctly — divide, don't multiply by 0.8 Fuel cost calculatorMiles, MPG and pence per litre — the UK gallon conversion done right Loan repayment calculatorMonthly payment and the total interest the monthly figure hides Tip calculatorTip, service charge and bill split, plus UK tipping rules

Health

Body fat calculatorUS Navy tape method, with honest error bars One rep max calculatorFour published formulas compared, because they disagree Running pace calculatorPace, splits and race predictions that admit their limits TDEE calculatorDaily calorie needs and a macro split for cut, maintain or bulk BMI calculatorWith an honest account of what BMI does and does not tell you Sleep debt calculatorHow far behind you are, and how to actually catch up

Time and everyday

Age calculatorExact age in years, months and days, counted in UTC Date calculatorDays between dates, add or subtract days, weekday lookup Time zone converterCompare cities and find a meeting slot that works Unit converterMetric, imperial, UK and US — kept properly separate Pomodoro timerCustom cycles, long breaks, and a record of focused time QR code generatorStatic codes that never expire and cannot be tracked Habit trackerStreaks and a heatmap, without a subscription

Why these are free, and what the catch is.

There isn't one on these pages. Palarid runs in your browser, so serving a calculator costs almost nothing — there is no per-user database to pay for. We do not sell data and do not run ads. A paid tier is planned later for encrypted sync across devices, which does cost money to run. Everything here will stay free.

These calculators are planning tools, not professional advice. For decisions about your money, health or legal position, speak to someone qualified. About Palarid · Trust Centre