BriskCal
Money, worked out

Every figure, broken down.

BriskCal works out money questions — take-home pay, tax, stamp duty — showing every step, citing every rate, and running entirely in your browser. British first, and now Australian too.

The calculators

  1. Take-home pay Gross salary in, every deduction itemised out — income tax band by band, National Insurance, student loan, pension. All four nations, back to 2024/25.
  2. Salary sacrifice What a pension contribution actually costs your take-home pay, including the 62% relief inside the £100,000 personal allowance taper.
  3. Stamp duty All three UK regimes — SDLT, LBTT and LTT — with first-time buyer relief where it exists, and the same price compared across England, Scotland and Wales.
  4. Mortgage overpayment What paying extra actually buys: years off the term and interest avoided. Your monthly payment does not change — the mortgage just ends sooner.
  5. Debt payoff Snowball against avalanche on your own debts. How long each takes, what each costs in interest, and the order your debts fall in.
  6. Compound interest What regular saving builds up to, and how much of the total is interest rather than your own money. Works backwards from a goal too.
  7. Pay rise What a rise or a bonus is actually worth in your bank account, and the marginal rate that decides it.
  8. Self-employed tax What a sole trader keeps after income tax and Class 4 — and what really falls due in January once payments on account are counted. Class 2 correctly not charged.
  9. Pro rata salary What "£35,000 pro rata" actually pays for a part-time week — annual, monthly, weekly and hourly, against the full-time equivalent.
  10. Hourly rate to salary Hourly, contractor day rate and annual salary converted in any direction — with the weeks you are paid kept separate from the weeks you work.
  11. Overtime pay What a week of overtime is worth — and the rate the whole week averages, which is the figure the minimum wage is measured against.
  12. Dividend tax Dividends stacked on your income and split across the bands — with the allowance treated as a nil-rate band rather than a deduction, which is where most tools go wrong.
  13. Capital Gains Tax A gain is stacked on your income, not taxed at "your rate" — so it is routinely charged at 18% and 24% at once. This shows the split.
  14. Statutory redundancy pay Worked out year by year, because the rate depends on the age you were during each year of service rather than your age when the job ends.
  15. Child Benefit How much is clawed back above £60,000, and the marginal rate — which is the one UK threshold that depends on how many children you have.
  16. Loan repayments Monthly payment, total interest, and the year-by-year split between interest and capital.
  17. Car finance PCP against hire purchase on the same car — cheaper monthly, dearer overall, and why.
  18. Fuel cost Pence per mile for petrol, diesel and electricity, converted against the imperial gallon rather than the American one.

What that means in practice

Every figure is broken down
This much income tax at this band, this much National Insurance, this much student loan. Never one number out of a black box, because a number you cannot check is a number you cannot trust.
Dated, and honest about it
Every calculator states which tax year it uses and the day a person last checked the rates against the source. No page claims a check it did not have.
Sourced to gov.uk
Every rate, threshold and band links to the HMRC or gov.uk page it came from, so you can confirm the inputs rather than take our word for the output.
Nothing is uploaded or stored
Your salary is nobody else’s business. Everything is worked out on your own device — open the Network tab and watch. There is no account and nothing to sign up for.

Elsewhere

  1. Take-home pay (Australia) Income tax, the Medicare levy including its low-income phase-in, and HELP repayments — with the top HELP band charged as 10% of the whole income, which is a cliff most calculators miss.
  2. Federal take-home pay (US) Federal income tax and FICA, with the Social Security cap modelled and a 401(k) correctly reducing income tax but not FICA. Federal only — state tax is not included, and the page says so in its name.

Why the working is shown

British tax is arithmetic over published rules — bands, thresholds, plan numbers — and the rules change every April. Most calculators give you one figure and no way to tell whether it used this year's thresholds or last year's. That is not a small difference: it is the difference between a tool that is right and one that is confidently wrong, and from the outside the two look identical.

You should not have to trust it. You should be able to check it.

So every page shows the steps, cites the source for every rate, and states the day a person last checked it. Where a calculator depends on no published rate at all, it shows its method and a worked example the build recomputes — because a figure nobody can verify is a figure nobody should rely on.

How the figures are put together