Pharmacy finance calculators

Free scenario tools built on current HMRC rules. All calculators are estimation tools only: speak to a specialist before filing or transacting.

Buying a Pharmacy

Pharmacy Purchase Affordability Calculator

Estimate monthly loan repayments, post-tax cash cover, and the stamp duty or SDLT cost of buying a pharmacy on a share or asset deal for 2026/27.

NHS Contract and Income

NHS FP34 Cash Flow Estimator

Model the NHSBSA FP34 payment timeline for your pharmacy: see when advances and full settlements arrive each month and estimate the working-capital gap you need to bridge.

Locum Pharmacists

Locum Pharmacist Take-Home Comparator

Compare 2026/27 net take-home for a locum pharmacist under sole trader, limited company and umbrella/PAYE, with HMRC employment-status warnings (ESM4270) baked in.