Clear Calculators
How to estimate take-home pay
Gross pay, tax, National Insurance, pensions, student loans and why payslips can differ.
Read the take-home pay guideGuides
Guides for the questions behind the calculators
Find the guide that matches the job at hand, from payslips and pensions to seller tools, household costs and creator income. Each one explains the assumptions before you run a calculation.
Pay and workplace
Payslips, deductions, pensions, leave and working-time questions.
UK payroll deductions
Choose the right tool for tax, NI, pensions, salary sacrifice, student loans, bonuses and payslips.
Open the payroll deductions guideHow to check a UK payslip
A clear order for checking gross pay, deductions and net pay.
Read the payslip guideSalary sacrifice for pensions
What salary sacrifice changes, where tax and NI savings come from, and what to ask payroll.
Read the salary sacrifice guidePension contributions and tax relief
Net pay, relief at source and salary sacrifice explained.
Read the pension guideStudent loan repayments
Plans, thresholds and why payslip deductions can differ from a projection.
Read the student loan guideHoliday pay vs entitlement
The difference between leave due and what that leave may be worth in pay.
Read the holiday pay guideHoliday entitlement
Annual leave for starters, leavers, part-time and irregular-hours workers.
Read the holiday entitlement guideHourly pay vs salary
Compare an hourly rate and annual salary with unpaid time and overtime in mind.
Read the hourly vs salary guideDecimal hours and timesheets
Convert hours and minutes cleanly and avoid common decimal-time mistakes.
Read the decimal hours guideHow to work out shift pay
Paid hours, unpaid breaks, uplifts, overtime and rota projections.
Read the shift pay guideSeller and small business
Marketplace offers, postage labels and VAT checks.
Should I accept an eBay offer?
Check buyer offers against item cost, postage, packaging, promoted listing rate, fee assumptions and minimum profit.
Read the eBay offer guidePrint eBay labels on unused A4 sheets
Move postage label PDFs onto spare A4 label sheet slots, check printer scaling and avoid wasting part-used sheets.
Read the label printing 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 guideHome, travel and money
Household bills, saving plans and everyday cost checks.
How to compare electricity tariffs
Compare unit rates, standing charges, annual kWh, exit fees and fixed tariff terms.
Read the tariff guideFuel costs for car journeys
Estimate trip fuel spend from distance, mpg and pump price.
Read the fuel cost guideUnderstanding price increases
Compare old and new bills in pounds, percentages and yearly impact.
Read the price increase guideSavings goals and interest
Plan savings targets with realistic monthly amounts, interest assumptions, slower-plan checks and savings-interest caveats.
Read the savings guideCreator income
Platform payouts, sponsorship quotes, expenses and income records.
Creator income guides
Estimate Twitch payouts, Bits, sponsorship quotes, creator expenses and take-home planning assumptions.
Open the creator guide hubHow Twitch payouts work
Subs, Prime subs, gifted subs, Bits, ads, fees, expenses and why dashboard income can differ from take-home.
Read the Twitch payout guideCreator sponsorship rates
Build a brand deal quote from audience, CPM, deliverables, production time, usage rights and exclusivity.
Read the sponsorship guideCreator income checklist
Check monthly platform revenue, sponsor invoices, expenses, reserves and records before treating income as take-home.
Read the creator checklistInternet and data
Make sense of connection speeds and file-size measurements.
Mbps vs MB/s explained
Bits, bytes, broadband speeds, download rates, GB, GiB and why internet speed is not the same as file size.
Read the internet speed guideHow these guides support the calculators
The calculators give a fast result, but many real-world questions need a little context before the number makes sense. These guides explain common assumptions in plain English: what counts as gross pay, why a payslip can differ from an estimate, how creator payout lines should be separated, how decimal hours work, why removing VAT is not the same as subtracting 20%, and where holiday entitlement can change for starters, leavers or irregular work patterns.
Each guide links back to the relevant tool so you can read the explanation, run a calculation, then come back to check the edge cases. The aim is that a page is useful before anyone enters a number.
Limits and source notes
Clear Calculators guides are for general checking and planning. They are not financial, tax, employment, legal or professional advice. Where official rules matter, the page points to the relevant calculator assumptions or source notes.
For formal decisions, compare the calculator result with official guidance, employer documents, invoices, contracts or payslips. This matters most for tax, National Insurance, pensions, student loans, holiday entitlement, VAT, savings interest and employment-related decisions.
Clear Calculators guides are for general checking only. They explain common calculation assumptions and do not replace financial, tax, employment, legal or professional advice.