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Your firm's cost calendar

Know what your costs will do this year, in pounds, before they do it.

A free small business cost check for UK firms with 5 to 50 staff: no account, no sign-up. Answer a few questions and see every dated cost change in the next 12 months, from the National Living Wage to fuel duty, in pounds a month for your firm, each with its gov.uk or Bank of England source.

For example, an 8-person bakery: 31 March 2027, your fixed business energy contract ends: your unit rate set against current wholesale prices: £129.01 a month more (source: gov.uk).

Updated : the day the newest cost rule was checked by hand.

1Start with your sector

A worked example: an 8-person bakery

4 staff on the National Living Wage at 30 hours a week, 4 more on £30,000, a van on 200 litres of diesel a week, an electricity contract ending 31 March 2027 at 24p a kWh.

  1. 31 March 2027: Your fixed business energy contract ends: your unit rate set against current wholesale prices. £129.01 a month more. 40,000 kWh a year × (27.87p − 24.00p) ÷ 12 = £129.01 a month, if you renew at what small firms paid on average (DESNZ, quarter to 2026-06-30). Wholesale electricity, 7-day average to 2026-11-14: 20.54p/kWh (before network costs and levies). Source: gov.uk.
  2. 1 April 2027: National Living Wage rises from £12.71 to £13.21 an hour. £299.00 a month more. 4 staff × 30 hours a week × 52 ÷ 12 × (£13.21 − £12.71) = £260.00 a month in pay. Employer National Insurance on the rise: £39.00 a month (15% above £96 a week, after the £10,500 Employment Allowance, assumed claimed). Source: gov.uk.
  3. 6 April 2027: Employer National Insurance stays at 15% above £96 a week, and the Employment Allowance stays at £10,500, for 2027/28. No change. 15% above £96 a week and the £10,500 Employment Allowance are the same in 2027/28 as now: no change. Source: gov.uk.
  4. 1 July 2027: Fuel duty: the temporary cuts end and the deferred RPI rise applies; diesel and petrol go from 52.95p to 60.59p a litre, red diesel from 6.48p to 11.65p. £66.21 a month more. 200 litres of road diesel a week × 52 ÷ 12 × (60.59p − 52.95p) duty = £66.21 a month. VAT-registered, so the VAT on fuel is reclaimed and not counted. Source: gov.uk.

Arithmetic on official rates and the example's answers, not advice. See this calendar for your own firm.

Automated analysis for information only. Not investment advice. The figures are arithmetic on official rates and your answers. Read the full disclaimer.

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