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VAT calculator and registration check

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Add or remove VAT, and see if your sales are near the registration limit.

UK VAT registration threshold £90,000 (rolling 12 months). Confirm on GOV.UK.

Common questions

When must I register for VAT?

When taxable sales go over £90,000 in a rolling 12 months, or you expect to in the next 30 days.

How do I remove VAT from a price?

Divide the VAT-inclusive price by 1.2 for the standard 20% rate.