https://casvia.uk/ Simple, transparent UK financial calculators and plain-English guides. Savings, ISAs, tax, mortgages, pensions and retirement. No sign-up, no tracking, all calculations run in your browser. en-gb Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/favicon.png https://casvia.uk/ https://casvia.uk/articles/500-a-month-for-20-years/ https://casvia.uk/articles/500-a-month-for-20-years/ £500 a month for 20 years: at 4%, 5%, 7% or 8% growth you could end with £183k to £295k. See the full numbers, how much is your own money, and what inflation does. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/capital-gains-tax-explained/ https://casvia.uk/articles/capital-gains-tax-explained/ Your first £3,000 of gains is tax-free; above that you pay 18% or 24% depending on your income band. See how CGT works for 2026/27 with worked examples. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/cash-isa-vs-stocks-shares-isa/ https://casvia.uk/articles/cash-isa-vs-stocks-shares-isa/ Over 30 years, £250 a month could grow to £176,826 in a Cash ISA at 4% vs £313,109 in a Stocks & Shares ISA at 7%. See the numbers and how to choose. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/child-benefit-60-trap/ https://casvia.uk/articles/child-benefit-60-trap/ Earn over £60,000 and claim Child Benefit? The High Income Child Benefit Charge claws it back — and can push your marginal tax rate toward 60%. Learn how the taper works, what it costs, and how pension contributions or Gift Aid can reduce it. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/dividend-tax-explained/ https://casvia.uk/articles/dividend-tax-explained/ The first £500 of dividends is tax-free. Above that you pay 10.75%, 35.75% or 39.35% depending on your income band. See how dividend tax works for 2026/27 with worked examples. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/fixed-vs-variable-mortgage/ https://casvia.uk/articles/fixed-vs-variable-mortgage/ On a £240,000 mortgage over 25 years, 4.5% saves ~£69/month vs a 5% fix, but 6% costs £143/month more. A practical way to choose. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/how-much-to-retire/ https://casvia.uk/articles/how-much-to-retire/ The full new State Pension is £12,548 a year (2026/27). To retire on £25,000 a year you'd need roughly a £311,000 pot on top — here's the 4% rule worked out. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/income-tax-explained/ https://casvia.uk/articles/income-tax-explained/ Work out UK income tax for 2026/27 — tax bands, the £12,570 Personal Allowance, the £100,000 taper and worked examples from £50,000 to £200,000. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/isa-tax-explained/ https://casvia.uk/articles/isa-tax-explained/ Yes — inside an ISA, interest, dividends and capital gains are free of UK income tax, dividend tax and capital gains tax. Here's exactly how ISA tax works for 2026/27. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/isa-vs-pension/ https://casvia.uk/articles/isa-vs-pension/ Basic-rate saver: £200/month → pension pays out ~£176,855 after tax vs £166,452 tax-free in an ISA over 30 years. See the difference and how to choose. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/lisa-bonus-explained/ https://casvia.uk/articles/lisa-bonus-explained/ Put £4,000 a year into a Lifetime ISA and the government adds £1,000 — a guaranteed 25% bonus. Here's exactly how it works, who qualifies, and the 25% penalty to avoid. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/mortgage-explained/ https://casvia.uk/articles/mortgage-explained/ Work out UK mortgage repayments — monthly cost by loan size, interest rate and term, plus repayment vs interest-only. Worked examples from £150,000 to £300,000. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/mortgage-overpayment-explained/ https://casvia.uk/articles/mortgage-overpayment-explained/ On a £180,000 loan at 5% over 25 years, £100 a month saves about £24,045 in interest and clears the mortgage 3y 10m earlier. See how overpayments work. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/national-insurance-explained/ https://casvia.uk/articles/national-insurance-explained/ Employees pay 0% up to £12,570, 8% up to £50,270 and 2% above. See how National Insurance works for 2026/27 with worked examples. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/offset-mortgage/ https://casvia.uk/articles/offset-mortgage/ An offset mortgage links your savings to your home loan so you only pay interest on the difference. Learn how it works, the pros and cons, who it suits, and see a worked example. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/pay-off-mortgage-or-invest/ https://casvia.uk/articles/pay-off-mortgage-or-invest/ £200/month extra: overpaying saves £43,977 guaranteed vs investing at 7% could reach £162,014 (with risk). How to decide. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/rent-vs-buy/ https://casvia.uk/articles/rent-vs-buy/ Should you rent or buy a home in the UK? Compare deposit, SDLT, legal fees, mortgage interest, maintenance and the opportunity cost of your deposit — and work out your break-even year. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/stamp-duty-explained/ https://casvia.uk/articles/stamp-duty-explained/ Worked examples: a £350,000 home costs £7,500 in Stamp Duty in England, £8,350 in Scotland and £7,500 in Wales. First-time buyers pay less. See the bands and rates. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/take-home-pay-breakdown/ https://casvia.uk/articles/take-home-pay-breakdown/ See exactly how your UK salary is split — gross pay, Income Tax, National Insurance, pension and student loan — with worked examples for £30k, £50k, £80k and £100k at 2026/27 rates. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/tax-code-explained/ https://casvia.uk/articles/tax-code-explained/ Your UK tax code tells HMRC how much tax-free pay you get. Learn what the numbers and letters mean — 1257L, BR, D0, D1, NT, K, M, N, S — and what to do if yours is wrong. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/articles/uk-inflation-explained/ https://casvia.uk/articles/uk-inflation-explained/ CPI inflation was 2.9% in July 2026. See how inflation erodes cash, what you need to beat it, and how to plan with today money. Guide Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/isa-calculator/ https://casvia.uk/isa-calculator/ Free UK ISA calculator for 2026/27 — estimate tax-free growth with regular contributions, compound interest and the Lifetime ISA 25% bonus. No sign-up. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/savings-calculator/ https://casvia.uk/savings-calculator/ Free UK savings calculator — see how regular deposits and interest grow over time, with AER explained and yearly breakdown. No sign-up. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/compound-interest-calculator/ https://casvia.uk/compound-interest-calculator/ Free UK compound interest calculator — see how your savings grow with daily, monthly or annual compounding. Formula and assumptions shown. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/income-tax-calculator/ https://casvia.uk/income-tax-calculator/ Free UK Income Tax calculator for 2026/27 — see your tax by band, Personal Allowance and take-home pay. HMRC rates, no sign-up. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/salary-calculator/ https://casvia.uk/salary-calculator/ Free UK salary calculator for 2026/27 — gross to net take-home pay after Income Tax and National Insurance. Monthly, weekly and annual breakdown. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/national-insurance-calculator/ https://casvia.uk/national-insurance-calculator/ Free UK National Insurance calculator for 2026/27 — Class 1 employee NI contributions by threshold. HMRC rates, no sign-up. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/mortgage-calculator/ https://casvia.uk/mortgage-calculator/ Free UK mortgage calculator — work out your monthly repayment, total interest, loan-to-value and yearly balance. No sign-up, no data stored. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/mortgage-overpayment-calculator/ https://casvia.uk/mortgage-overpayment-calculator/ Free UK mortgage overpayment calculator — see how much interest you save and how many years you cut off your term by overpaying. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/stamp-duty-calculator/ https://casvia.uk/stamp-duty-calculator/ Free UK Stamp Duty calculator for 2026/27 — SDLT for England & Northern Ireland, including first-time buyer relief and additional property rates. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/stamp-duty-scotland/ https://casvia.uk/stamp-duty-scotland/ Free Scotland Land and Buildings Transaction Tax (LBTT) calculator for 2026/27. Calculate stamp duty on Scottish property purchases, including first-time buyer relief. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/stamp-duty-wales/ https://casvia.uk/stamp-duty-wales/ Free Wales Land Transaction Tax (LTT) calculator for 2026/27. Calculate stamp duty on Welsh property purchases with band-by-band breakdown. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/pension-calculator/ https://casvia.uk/pension-calculator/ Free UK pension calculator — see how your current pot, monthly contributions, tax relief and growth could build your retirement fund. 2026/27 allowance. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/retirement-calculator/ https://casvia.uk/retirement-calculator/ Free UK retirement calculator — see the gap between your target retirement income and the State Pension, and how much extra saving you might need. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/capital-gains-tax-calculator/ https://casvia.uk/capital-gains-tax-calculator/ Free UK Capital Gains Tax calculator for 2026/27 — work out your CGT on shares and property, including annual exempt amount and rate bands. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/dividend-tax-calculator/ https://casvia.uk/dividend-tax-calculator/ Free UK dividend tax calculator for 2026/27 — see how much tax you pay on dividend income, including the dividend allowance and basic/higher/additional rates. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/uk-inflation-calculator/ https://casvia.uk/uk-inflation-calculator/ Free UK inflation calculator — see what money is worth over time using CPI inflation, and understand how inflation erodes purchasing power. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/investment-return-calculator/ https://casvia.uk/investment-return-calculator/ Free UK investment return calculator — project growth from lump sum and monthly contributions, or work out what you need to hit a target. Assumptions shown. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/student-loan-calculator/ https://casvia.uk/student-loan-calculator/ Free UK student loan repayment calculator — Plan 2, Plan 5 and Plan 4 (Scotland). See monthly repayments, threshold and total paid over the term. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/child-benefit-charge-calculator/ https://casvia.uk/child-benefit-charge-calculator/ Free High Income Child Benefit Charge (HICBC) calculator for 2026/27 — see your Child Benefit entitlement and the charge on incomes £50,000–£60,000. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/self-employed-national-insurance-calculator/ https://casvia.uk/self-employed-national-insurance-calculator/ Free self-employed National Insurance calculator for 2026/27 — Class 2 and Class 4 NI on your profits. HMRC rates, no sign-up. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/inheritance-tax-calculator/ https://casvia.uk/inheritance-tax-calculator/ Free UK Inheritance Tax calculator for 2026/27. Estimate IHT with nil-rate band, residence nil-rate band, spouse transfer and charity rate. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/how-much-can-i-borrow/ https://casvia.uk/how-much-can-i-borrow/ Estimate how much you could borrow for a UK mortgage based on your income, deposit and existing debts. Educational affordability calculator — not a mortgage decision. Calculator Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/calculators/ https://casvia.uk/calculators/ All Casvia's free UK financial calculators in one place — savings, ISAs, income tax, NI, mortgages, stamp duty and pensions. No sign-up. Hub Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/savings/ https://casvia.uk/savings/ Free UK savings calculators — see how your savings grow, how compound interest works, ISA growth and inflation-adjusted returns. No sign-up. Hub Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/tax/ https://casvia.uk/tax/ Free UK tax calculators for the 2026/27 tax year — Income Tax, National Insurance, Capital Gains, Dividend Tax, Student Loan and more. No sign-up. Hub Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/mortgages/ https://casvia.uk/mortgages/ Free UK mortgage calculators — work out monthly repayments, how much you can borrow, overpayment savings and Stamp Duty. No sign-up. Hub Sat, 05 Sep 2026 00:00:00 +0000 https://casvia.uk/retirement/ https://casvia.uk/retirement/ Free UK retirement calculators — model pension growth, tax relief, retirement income and the gap between your target and the State Pension. No sign-up. Hub Sat, 05 Sep 2026 00:00:00 +0000