Clear Calculators
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 guideGuides
Guides for the questions behind the calculators
These pages explain the bits people usually get stuck on: seller offers, energy tariffs, pay deductions, student loans, creator income, internet speed, storage, holiday, timesheets, VAT and savings calculations.
How to compare electricity tariffs
Compare unit rates, standing charges, annual kWh, exit fees and fixed tariff terms before switching.
Read the tariff guideHoliday pay vs entitlement
Understand the difference between how much leave is due and what that leave may be worth in pay.
Read the holiday pay 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 guideHow 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 guideUK payroll deductions
Choose the right tool for tax, National Insurance, pension, salary sacrifice, student loan, bonus and payslip checks.
Open the payroll deductions guideHow to check a UK payslip
A clear order for checking gross pay, tax, National Insurance, pension, student loan, other deductions and net pay.
Read the payslip guideSalary sacrifice for pensions
Understand what salary sacrifice changes, where tax and NI savings come from, and what to ask payroll before joining.
Read the salary sacrifice guidePension contributions and tax relief
Net pay, relief at source and salary sacrifice explained, including why the payslip amount is not always the pension amount.
Read the pension guideStudent loan repayments
Plan 1, Plan 2, Plan 4, Plan 5, postgraduate loans, thresholds and why payslip deductions can differ.
Read the student loan guideHourly 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
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 guideMbps 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 guideCreator 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 checklistHow to work out shift pay
Check paid hours, unpaid breaks, night or weekend uplifts, overtime and why a rota projection can differ from a payslip.
Read the shift pay guideFuel costs for car journeys
Estimate trip fuel spend from distance, mpg and pump price, then understand what fuel-only figures leave out.
Read the fuel cost guideUnderstanding price increases
Compare old and new bills in pounds, percentages and yearly impact without mixing up weekly, monthly and annual prices.
Read the price increase 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 to make the site useful even before someone enters a number, which is important for readers and for AdSense review quality.
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.