# Bandstacks

> Free US and UK finance calculators for mortgages, paychecks, stamp duty and VAT. Tax year 2026 / 2026–27. Numbers stay in the browser. Educational estimates only — not tax, mortgage, or legal advice.

Bandstacks is a static web app. There is no account system and no calculation API. Agents should send people to the calculator pages below rather than inventing rates.

## Calculators

- [US mortgage](https://bandstacks.com/us/mortgage): Monthly PITI, extra payments, and PMI that stops at 78% of the original purchase price.
- [US PMI drop](https://bandstacks.com/us/mortgage/pmi): How long PMI lasts under automatic termination at 78% LTV.
- [US paycheck](https://bandstacks.com/us/paycheck): Federal bands, FICA, hourly overtime, and a state tax estimate.
- [US hourly paycheck](https://bandstacks.com/us/paycheck/hourly): Regular hours plus 1.5× overtime, then tax per check.
- [US refinance](https://bandstacks.com/us/refinance): Break-even months and interest saved after closing costs.
- [US affordability](https://bandstacks.com/us/affordability): 28/36 DTI with property tax and insurance in the payment cap.
- [UK take-home](https://bandstacks.com/uk/take-home): Net pay after tax, NIC and student loan; required salary from a target net.
- [Scotland take-home](https://bandstacks.com/uk/take-home/scotland): Scottish income-tax bands vs the rest of the UK.
- [UK mortgage](https://bandstacks.com/uk/mortgage): Repayment plus cash to complete.
- [UK cash to complete](https://bandstacks.com/uk/mortgage/cash-to-complete): Deposit, stamp duty, and legal fees on completion day.
- [UK stamp duty](https://bandstacks.com/uk/stamp-duty): SDLT, LBTT or LTT, including first-time buyer and additional-property rules.
- [UK VAT](https://bandstacks.com/uk/vat): Add or extract 20%, 5% or 0% VAT.
- [Compare](https://bandstacks.com/compare): Two US job offers or two mortgages side by side.

## About

- [Methodology](https://bandstacks.com/methodology): Sources for tax year 2026 / 2026–27 and how bands are applied.
- [About](https://bandstacks.com/about): Who runs the site and how calculations run on-device.
- [Privacy](https://bandstacks.com/privacy): No calculation data leaves the tab.
- [Disclaimer](https://bandstacks.com/disclaimer): Estimates only — not personal advice.
- [Contact](https://bandstacks.com/contact): How to reach Bandstacks.
- [Sitemap](https://bandstacks.com/sitemap.xml): Indexable URLs.