Free Tax & Accounting Tools
Enter your numbers, get your answer. Free calculators from our chartered accountants, no email, no waiting.
Auto Enrolment Pension Calculator
Enter gross pay to see the minimum employer and employee auto enrolment contributions due under the 2026/27 rules, instantly.
Director's Loan Account (Section 455) Calculator
Enter your loan amount and dates to see your Section 455 charge, any benefit in kind, and your repayment deadline, instantly.
Capital Gains Tax Calculator (Property)
Enter your purchase and sale price to estimate the CGT on selling a second home, buy-to-let or inherited property, instantly.
Salary vs Dividend Calculator
Enter your company profit to compare salary only, a low salary plus dividends, and dividends only, instantly.
HMRC Penalty & Voluntary Disclosure Calculator
Enter your unpaid tax and situation to estimate the HMRC penalty, the interest and how far back HMRC can go, instantly.
Can't find what you need? Ask our team directly for a free, no-obligation call.
Which calculator do you need?
Start with the situation you are in. Each calculator gives you an answer in a couple of minutes, and links to the guide behind it if you want the detail.
Running a limited company and deciding how to pay yourself?
Compare salary only, a low salary plus dividends, and dividends only to see which leaves the most in your pocket.
Taken money out of your company, or put money in?
Work out whether a Section 455 charge applies, whether the loan is a benefit in kind, and when you need to repay by.
Selling a second home, buy-to-let or inherited property?
Estimate the Capital Gains Tax on the sale, including Private Residence Relief and lettings relief, and plan for the 60-day deadline.
Taking on staff or reviewing your payroll?
See the minimum employer and employee auto enrolment pension contributions for any gross pay under the 2026/27 rules.
Underpaid tax and thinking about telling HMRC?
Estimate the penalty, the interest and how many years HMRC can still go back, before and after they contact you.
How our free tools work
Accountants build these calculators for the questions we are asked most often by clients across Essex and the UK.
Built on official rules
Every rate, threshold and penalty range comes from GOV.UK and HMRC manuals, and each calculator names its sources at the bottom of the page.
Private by design
All calculations run in your browser. We do not ask for your email, and the numbers you type in are never sent to us or stored.
Checked by accountants
Our chartered accountants review the logic and update the tools when rates change, such as at the start of each tax year or when HMRC publishes a new interest rate.
A guide, not a guess
Results are estimates based on the details you enter. They show you where you stand, and our team can confirm the exact figure for your circumstances.
Frequently asked questions about our tools
Are the ARB Accountants tools really free?
Yes. Every calculator is free to use with no sign-up, no email address and no obligation. If you want help acting on a result, you can speak to our team, but you never have to.
How accurate are the calculators?
They apply the current UK rules to the numbers you enter, so they are a reliable guide for most straightforward situations. They cannot see your full circumstances, so treat the result as an estimate and check it with an accountant before you file, pay or make a decision.
Do you store the figures I enter?
No. The calculations run in your browser and nothing you enter is sent to our servers or saved.
Which tax year do the calculators use?
The pension, Capital Gains Tax, and salary and dividend calculators use the 2026/27 rates and thresholds. The HMRC penalty calculator uses HMRC's current penalty ranges, time limits and late payment interest rates.
What if my situation is more complicated than the calculator allows?
Each tool lists what it leaves out, for example offshore matters or VAT in the penalty calculator. If you fall outside those limits, get in touch and one of our chartered accountants will work through your case with you.
Can you suggest a calculator you have not built yet?
Yes. If there is a tax or accounting question you keep running into, tell us through the contact page and we will consider building it.
Ready to Work with Southend Accountants You Can Rely On?
Whether you need help with bookkeeping, tax planning, or business forecasting, our team of accountants in Essex is ready to make your finances stress-free and fully compliant. Book a free, no-obligation consultation and let's start with what matters most to you.
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