Cost of Living
Hub 2026/27
Navigate the £12.71 Minimum Wage, frozen tax bands, and evolving mortgage rates.
£12.71
National Living Wage
+4.1% Rise from £12.21
3.75%
Bank of England Base Rate
Current Rate (held 17 September 2026)
£12,570
Tax-Free Personal Allowance
Standard 1257L (Frozen to 2028)
£1,723
Avg. Energy Price Cap
Dual-Fuel Cap (1 October – 31 December 2026)
Essential Calculators
UPDATED
NHS Pay Rise Calculator
Check your new 2026/27 take-home pay with detailed pension breakdown.
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HOT
Hourly to Salary Converter
See what the new £12.71/hr really means for your monthly bank balance.
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Remortgage Savings Calculator
Coming off a fixed rate? Calculate your repayment jump before it happens.
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Scottish Tax Calculator
Navigate the divergent 2026/27 tax bands exclusive to Scottish residents.
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Live Economic Data
Real-time indicators influencing your personal finance strategy.
UK Market Pulse
Live economic indicators for 2026 planning
Base Rate
3.75% Stability
Bank of England Base Rate
Inflation
3.1% Falling
Consumer Price Index
Avg Home
£273k +1.8%
UK Avg House Price
Mortgage
4.8% 2yr Fixed
Avg. 2yr Fixed Rate
Why calculate now?
With base rates at 3.75% and inflation at 3.1%, check your real take-home pay and mortgage affordability for 2026/27.