Free Professional Tools
for UK Finance & Compliance
Free calculators and tools for UK contractors, finance teams, and compliance professionals. VAT, IR35, GDPR fines, salary, data breach costs, risk matrix — no login, no signup.
Finance Tools
9 tools available
VAT Calculator
Instantly add or remove VAT at standard (20%), reduced (5%), or zero rates.
Salary Calculator
See exactly how much you take home after tax, NI, and pension. Free UK salary calculator for 2026/27 — Scottish rates included. Instant results, no signup.
IR35 Calculator
Compare your take-home pay inside vs outside IR35 to understand your true net income.
Day Rate Calculator
Convert between day rate and equivalent annual salary — accounting for holidays and downtime.
Rate Converter
Convert your GBP day rate to USD, EUR, AUD and more — or check what a foreign rate is worth in pounds.
Stamp Duty Calculator
Find out exactly how much stamp duty you will pay on your property. Free SDLT calculator with first-time buyer relief, second home surcharge, and full band breakdown.
Corporation Tax
Calculate corporation tax on company profits — including marginal relief between £50,000 and £250,000.
Tronc Calculator
Calculate tronc distributions for hospitality staff. Shows individual shares, PAYE income tax, and net payments for tips and service charges.
Inflation Calculator
Calculate how inflation has eroded the value of money in the UK, US, EU, Canada, Australia, Singapore and more. Compare purchasing power across years and countries.
Cybersecurity Tools
7 tools available
Password Checker
Check your password strength based on entropy. Passwords are never sent to any server.
Breach Cost Calculator
Estimate data breach costs using IBM Cost of a Data Breach 2024 benchmarks. Covers detection, notification, response, lost business, and ICO fine risk.
GDPR Fine Estimator
Estimate your UK GDPR fine exposure based on violation type, turnover, and ICO enforcement factors. Includes real enforcement case examples.
Compensation Calculator
Estimate how much compensation you may be entitled to claim after a data breach under UK GDPR Article 82. Covers distress, financial loss, and fraud.
OCTAVE Risk Assessment
Free interactive OCTAVE Allegro risk assessment with CIA triad scoring, ISO 27001:2022 Annex A control mapping, and exportable risk register. All data stays in your browser.
SoA Generator
Generate your ISO 27001:2022 Statement of Applicability with all 93 Annex A controls. Includes applicability decisions, justifications, implementation status, and export to XLSX or PDF.
DPIA Tool
Conduct a Data Protection Impact Assessment following the ICO template. Covers processing description, necessity, risk assessment, mitigations, and outcome — with links to GDPR fine and breach cost calculators.
Business Tools
2 tools available
Free professional tools for UK finance, compliance and ISO 27001
Finance calculators — VAT, salary, IR35, stamp duty, corporation tax and inflation
Our UK finance calculators cover the full range of calculations that professionals, contractors, and business owners deal with daily — from VAT through payroll and property taxes to inflation-adjusted comparisons. Every tool is pre-loaded with the latest HMRC rates and thresholds for the 2026/27 tax year, so there is no need to look up current figures before you start.
The UK VAT calculator handles the three UK VAT rates — standard (20%), reduced (5%), and zero rate (0%) — in both directions, meaning you can add VAT to a net price or strip VAT from a gross figure with one click. It is designed for invoicing, supplier quote validation, and VAT return preparation. The UK salary calculator produces a full monthly and annual net pay breakdown after Income Tax and National Insurance, with support for Scottish income tax rates (which use different bands and thresholds from the rest of the UK) and the ability to see the marginal rate impact of salary changes. The IR35 calculator compares take-home pay inside versus outside the off-payroll working rules, using 2026/27 deemed employment tax calculations including employee and employer NI, helping contractors understand the financial reality of an IR35 determination.
The contractor day rate calculator works in both directions — convert a day rate into an equivalent annual salary, or a target salary into the day rate you need to charge — accounting for billable days, public holidays, and typical bench time between contracts. The contractor rate converter handles eight major currencies (USD, EUR, AUD, CAD, CHF, SGD, JPY, ZAR) with live exchange rates from the European Central Bank, showing day, week, month, and annual equivalents side by side. The stamp duty calculator applies 2026/27 SDLT rates for England and Northern Ireland, including first-time buyer relief on properties up to £500,000, the 3% additional property surcharge for second homes and buy-to-let, and limited company purchases. The corporation tax calculator handles the current UK regime — 19% small profits rate on profits up to £50,000, 25% main rate above £250,000, and automatic Marginal Relief calculation for profits between £50,000 and £250,000, including associated company threshold reductions. The tronc calculator helps hospitality businesses distribute tips and discretionary service charges fairly among staff, showing each person's share, PAYE income tax deduction, and net payment based on 2026/27 tax thresholds. The inflation calculator covers eight countries from 2000 to 2025 using official CPI data, letting you compare how much £1,000 in 2010 is worth today across the UK, US, EU, Canada, Australia, and more — useful for salary negotiations, contract adjustments, and financial settlement calculations.
Cybersecurity — ISO 27001, GDPR, data breach, OCTAVE risk assessment, DPIA and SoA tools
Our cybersecurity and compliance toolkit covers the complete spectrum of UK data protection, information security, and regulatory risk management requirements. Whether you are responding to a data breach, preparing for ISO 27001 certification, conducting a data protection impact assessment, or estimating your ICO fine exposure, these tools provide structured, methodology-driven outputs that are audit-ready and professionally formatted. Every tool runs entirely in your browser with no data transmitted to any server.
The GDPR fine estimator is one of the most detailed free tools available for modelling ICO enforcement exposure under UK GDPR. It considers the type of violation (lower tier up to £8.7M or 2% of turnover, upper tier up to £17.5M or 4% of turnover), your organisation's global annual turnover, and the mitigating or aggravating factors that the ICO applies when setting the final penalty amount. The model is calibrated against real ICO enforcement actions including British Airways (£20M for a payment card breach affecting 400,000 customers), Marriott International (£18.4M for a guest record breach affecting 339 million records), and TikTok (£12.7M for unlawfully processing children's data under 13). The data breach cost calculator uses the IBM Cost of a Data Breach Report 2024 benchmarks — the largest empirical study of breach costs globally, covering 604 organisations across 17 industries — to estimate your total financial impact across detection and escalation, notification, post-breach response, lost business, and ICO fine risk. The data breach compensation calculator helps individuals estimate potential compensation they may be entitled to claim under UK GDPR Article 82, covering distress, loss of control over personal data, financial loss, and fraud — using ranges derived from UK case law and Judicial College guidelines.
The password strength checker analyses passwords using cryptographic entropy — a measure of unpredictability — and calculates the estimated time to crack under brute-force attack, entirely client-side with no network transmission. The OCTAVE risk assessment tool implements Carnegie Mellon's OCTAVE Allegro methodology for information security risk assessment, walking you through asset registration, threat and vulnerability identification, CIA triad scoring (Confidentiality, Integrity, Availability) on a 3×3 likelihood-impact matrix, and treatment planning with ISO 27001:2022 Annex A control references. The output is a complete risk register that can be exported as XLSX spreadsheet or professional PDF report. The DPIA tool follows the ICO's recommended five-step data protection impact assessment process under UK GDPR Article 35, with processing description, necessity and proportionality assessment, risk identification, mitigation planning, and outcome recording — including automatic flagging of special category data and children's data. The ISO 27001 Statement of Applicability generator is a full interactive tool covering all 93 Annex A controls across four clauses (A.5 Organisational, A.6 People, A.7 Physical, A.8 Technological). For each control it captures applicability status, implementation status, justification, responsibility, and notes, with clause-level progress tracking, localStorage persistence, and export-ready XLSX or PDF output for your certification audit.
Business tools — risk matrix, meeting cost, and ISMS documentation
Our business tools help organisations measure, visualise, and improve the operational aspects of governance, risk management, and compliance. They are designed to work alongside our cybersecurity tools to form a complete ISMS documentation toolkit — from risk identification and assessment through control selection, implementation tracking, and management reporting.
The risk matrix generator produces a colour-coded 5×5 risk matrix following ISO 31000 risk management principles and ISO 27001 risk assessment conventions. Add multiple risks with custom likelihood (1–5) and impact (1–5) scores, and watch them plotted on the matrix in real time with colour-coded risk ratings — green (low), yellow (medium), orange (high), red (critical). The tool maintains a live risk register sorted by score, making it easy to identify and communicate priority risks to management. It is suitable for project risk registers, enterprise risk assessments, ISO 27001 ISMS documentation, health and safety risk assessments, and board-level risk reporting. The meeting cost calculator converts attendee headcount, average annual salary, and meeting duration into a direct monetary figure, calculated on standard UK working hours (1,760 hours per year). It shows the cost per meeting, the fully-loaded cost including employer NI and overhead at 35%, and the annual cost for recurring meetings — a practical tool for challenging unnecessary meetings, improving meeting hygiene, and building a business case for async-first working practices.
All 18 tools on GovernStack run instantly in your browser with no login, no signup, and no data transmitted to any server. Results are processed entirely client-side using JavaScript, and many tools support localStorage persistence so your work is saved automatically between sessions. Export options include XLSX spreadsheets (compatible with Excel, Google Sheets, and LibreOffice) and professional PDF reports with cover pages, tables, and formatting suitable for audit evidence, management review submissions, and regulatory filings. All tools are built on current UK legislation, HMRC rates, ICO guidance, and ISO standards — updated for the 2026/27 tax year and the ISO 27001:2022 framework. Whether you are a UK contractor calculating IR35 exposure, a compliance manager preparing for certification, or a finance professional running VAT or payroll figures, GovernStack gives you professional-grade tools without the enterprise price tag.
Built by governance professionals
GovernStack tools are built on real enterprise governance expertise — ISO 27001, SOC 2, GDPR compliance, and financial regulation. These aren't generic calculators. Every tool reflects how professionals actually think about the problem.