Clear Calculators
How to estimate take-home pay
Gross pay, tax, National Insurance, pension deductions, student loans and why payslips can differ from an estimate.
Read the take-home pay guideGuides
Plain-English guides for the choices behind the calculators
Use these guides when you want to understand the assumptions, wording and common mistakes behind pay, holiday, timesheet, VAT and savings calculations.
Hourly pay vs salary
Compare hourly rates and annual salaries while allowing for unpaid time, overtime, pension deductions and uneven work patterns.
Read the hourly vs salary guideHoliday entitlement
Understand annual leave for starters, leavers, part-time workers, irregular hours and bank holiday handling.
Read the holiday entitlement guideDecimal hours and timesheets
Convert hours and minutes cleanly, avoid decimal-time mistakes and check payroll or invoice time entries.
Read the decimal hours guideVAT rates and invoice checks
Learn the difference between net, VAT and gross amounts, and why removing VAT is not the same as subtracting 20%.
Read the VAT guideSavings goals and interest
Plan savings targets with realistic monthly amounts, interest assumptions, slower-plan checks and savings-interest caveats.
Read the savings guideClear Calculators guides are general information only. They explain common calculation assumptions and do not replace financial, tax, employment, legal or professional advice.