Why these six
Because they are the calculations that decide whether a pharmacy works, and none of them come out of your accounts package. Your software knows what you were paid. It does not know what you should have been paid, how long you funded the gap, or what the Drug Tariff assumed about your wholesaler terms when it applied the deduction scale.
Each one uses sensible simplifications and says so. They are built to get you to the right order of magnitude quickly — enough to know whether something is worth a proper look, not enough to file anything on.
Common questions
Are these calculators free, and is anything stored?
Free, no sign-up, and nothing is stored. They run entirely in your browser, so the figures you type never leave your device — we do not see them and neither does anyone else. You can print or save a result if you want a copy. There is no email gate in front of any of them, because a calculator you have to pay for with your contact details is an advert rather than a tool. If you would rather not type your own figures in at all, the same six calculations are part of the free review and we will run them from your actual schedules.
How accurate are they?
Accurate enough to tell you whether something is worth investigating, and not accurate enough to file anything on. Each uses stated simplifications — the working capital tool models mid-month dispensing rather than your actual daily profile, for instance, because your real profile is in your data and not on this page. Where a figure is a midpoint of a verified range, the page says so. The working capital tool is the clearest example: the verified range is 9 to 38 days to an advance and 63 to 92 days to settlement, and it models the midpoint of each, because where you fall in that range depends on how your dispensing is spread across the month.
Where do the rates come from?
Primary sources, and they are cited in the code. The Single Activity Fee moving from £1.46 to £1.52 comes from the 2026/27 CPCF settlement announced on 29 May 2026, backdated to take effect from May 2026. The payment cycle timings come from the Drug Tariff clauses that set them and from the published 2026 payment dates. If a rate changes, the calculators change with it. Every figure is listed at the top of the JavaScript file that does the arithmetic, so you can check what a tool believes before you trust what it tells you — which is not something most calculators let you do.
Which one should I use first?
The reimbursement gap calculator, if you only run one. The Single Activity Fee tool tells you about money arriving and the working capital tool tells you about timing, but the reimbursement gap tells you about money you are quietly losing every month — and unlike the other two, nothing in your accounts or your bank statement will ever surface it on its own. The deduction is applied before the money reaches you, so there is no line anywhere in your records that says what it cost — you have to reconstruct it, which is exactly what that calculator does.