BritWealth:UK Tax & Stamp Duty

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About this app

BritWealth — The Premier UK Property, Tax & Wealth Intelligence Suite!

Engineered specifically for UK homebuyers, property investors, and savers, BritWealth delivers institutional-grade financial precision to navigate statutory HM Revenue & Customs (HMRC) frameworks.

Whether purchasing your first home, allocating your annual ISA allowance, projecting Lifetime ISA (LISA) government bonuses, calculating Capital Gains Tax (CGT) under the Autumn Budget, or evaluating Buy-to-Let cash flows under Section 24 mortgage interest relief, BritWealth gives you instant mathematical clarity.

🌟 COMPREHENSIVE SUITE OF CALCULATORS & INTELLIGENCE:

1. 🏠 Stamp Duty & Regional Property Tax Simulator
• Full 3-Nation UK Coverage:
- England & Northern Ireland: Stamp Duty Land Tax (SDLT)
- Scotland: Land and Buildings Transaction Tax (LBTT)
- Wales: Land Transaction Tax (LTT)
• Statutory Buyer Profiles: First-Time Buyer (FTB) relief thresholds, Standard Home Mover, Additional Property / Buy-to-Let (+5% surcharge), and Non-UK Resident (+2% surcharge).
• Interactive Tiered Breakdown: Visual waterfall charts illustrating tax brackets, effective tax rates, and FTB relief savings.
• Multi-Tax Year Archive: Toggle between statutory rates for 2025/26, 2024/25, and 2023/24.

2. 💰 Annual ISA Allowance & Lifetime ISA (LISA) Optimizer
• Statutory £20,000 Annual Allowance Tracker: Real-time visual allocation across Cash ISA, Stocks & Shares ISA, and Lifetime ISA.
• 25% Government Cash Bonus Engine: Accurately simulates the statutory 25% bonus (up to £1,000/year free government cash on £4,000 max LISA contribution).
• Early Withdrawal Penalty Clawback: Models the HMRC 25% penalty charge on unauthorized early withdrawals, revealing your exact net cash return and effective loss.
• Junior ISA (JISA): Clear guidelines on the annual £9,000 child tax-free allowance.
• Tax Shelter Comparison: Quantifies 10-year compounded tax savings versus an unsheltered General Investment Account (GIA).

3. 🏡 Mortgage Affordability & Stress-Testing
• Loan-to-Value (LTV) Risk Gauge: Dynamic visual indicator across Prime (<75%), Standard (75-85%), and High Risk (>85%) tiers.
• Regulatory Stress-Testing: Real-time calculation of monthly repayments at standard rates plus an automatic +3% stress-test interest buffer to safeguard household budgeting.
• Amortization Breakdown: Detailed split between principal repayment and interest charges.

4. 📈 Capital Gains Tax (CGT) Property Analyzer
• Autumn Budget Compliant: Fully reflects statutory residential CGT rates (18% basic rate / 24% higher rate).
• Complete Gain Waterfall: Accounts for allowable acquisition costs, capital improvement expenditures, and Private Residence Relief (PRR).
• Annual Exemption Allowance: Applies the £3,000 statutory CGT exemption.

5. 🏢 Buy-to-Let (BTL) & Section 24 Cash Flow Engine
• Rental Yield Metrics: Computes Gross Rental Yield, Net Rental Yield, and Cash-on-Cash Return on Capital Invested (ROCI).
• Section 24 Relief Simulator: Models the statutory 20% basic rate tax credit reduction on mortgage interest finance costs.
• Net Annual Cash in Pocket: Accurately projects take-home rental profit after letting fees, maintenance, and income tax liability.

6. 🏛️ Help to Buy (HTB) Equity Loan Redemption
• Equity Loan Modeling: Simulates up to 20% equity loans (40% in Greater London).
• 5-Year Interest-Free Projection: Computes Year 6 monthly interest fees and estimated market redemption costs at Year 5 and Year 10.

🔒 PRIVACY-FIRST & SECURE ON-DEVICE COMPUTATION:
• 100% of calculations run locally in device memory — your financial figures are never uploaded to any remote server.
• Zero Account or Registration Required: No sign-ups, no logins, no personal data harvesting.
• No Bank Account Linking or Sensitive Credentials Needed.

📧 Developer & Support: [e-mail]

What’s new

• 🏠 Stamp Duty (SDLT, LBTT, LTT): Instant calculations for England, NI, Scotland & Wales with FTB relief.
• 💰 ISA & Lifetime ISA (LISA): £20k allowance tracker + 25% government bonus simulator.
• 🏡 Mortgage Affordability: LTV gauges with +3% regulatory stress buffer.
• 📈 Capital Gains Tax (CGT) & Buy-to-Let (BTL): Autumn Budget & Section 24 cash flows.
• 🔒 100% Private: On-device calculations with 26 global languages!