SPONDOONS
Save Money

Free UK Money Calculators

Every Spondoons calculator in one place – Built for UK rules for the 2026/27 tax year. Pick the question you want answered and get a result in seconds.

Income & tax

Money the government adds

🏦Pension Tax ReliefWhat your pension really costs you after relief — and, if you pay above the basic rate, what HMRC may still owe you.Open calculator →👶Tax-Free ChildcareThe government pays £2 for every £8 of childcare — see your top-up, and the gates that rule families out.Open calculator →🍼Maternity Pay CalculatorWhat the 39 paid weeks are worth after tax and NI — plus Maternity Allowance if you miss the SMP test, and the refund most people are owed.See your maternity pay →🤝Shared Parental LeaveWhether splitting the leave costs your household money — including the 90% phase you lose by curtailing maternity too early.Compare the options →🤒Statutory Sick PayThe reformed 2026 rules most calculators still get wrong: no waiting days, no earnings test, paid from the first day off.Work out your sick pay →👨‍🍼Paternity Pay CalculatorTwo weeks off, and what they actually pay. Leave became a day-one right in April 2026; the pay did not.See your paternity pay →🧸Adoption Pay CalculatorWhat 39 weeks of adoption pay is worth after tax — and why there is no allowance to fall back on.Work out your adoption pay →🏥Neonatal Care Pay CalculatorUp to 12 weeks on top of maternity or paternity leave — and the 7-day rule that decides how many you get.Work out your weeks →🕊Parental Bereavement PayTwo weeks from your first day under Jack’s Law — and why Northern Ireland now goes further.Check what you are entitled to →🫂Carer’s Leave CalculatorA week a year, unpaid, from day one — and why the £204 allowance limit rules out fewer people than you think.Check the earnings limit →🎒Unpaid Parental Leave18 weeks per child, a day-one right since April 2026 — and the yearly cap that can strand it.See how many weeks you can reach →🚨Time Off for DependantsDay-one emergency leave that cannot be refused — and how to spot when a paid right covers the same days.Check which right fits →🗓️Flexible Working CalculatorA day-one right to ask — and what dropping a day really costs once tax and childcare are counted.Cost a four-day week →🤍Bereaved Partner’s LeaveUp to 52 weeks from day one if your partner died in your child’s first year — new since April 2026.Work out your weeks →🧩Seriously Ill ChildThere is no statutory paid leave for this — Hugh’s Law is still a proposal. What you can actually claim.See what you can claim →📦Redundancy Pay CalculatorWhat you are owed on the April 2026 limits — and the tax on notice pay that catches people out.Work out your payout →👶Child Benefit & the £60k ChargeWhat you keep once the higher earner passes £60,000 — and the pension move that wipes the charge.Check the charge →

Debt & borrowing

Savings & future planning

Every tool is free and always will be. Once you know your numbers, the bill-cutting checklist is the quickest way to free up extra cash each month.