UK Tax Calculators
87 free calculators using current HMRC rates and thresholds for the 2026/27, 2025/26 and 2024/25 tax years. England, Wales, Scotland & Northern Ireland.
Filing Self Assessment for 2025-26? All tools + checklist in one place →Income & Pay
Income Tax Calculator
Progressive band breakdown for England/Wales/NI or Scotland. Personal Allowance taper, Marriage Allowance, Blind Person's Allowance.
England, Wales, Scotland & NI
Take-Home Pay Calculator
Net pay after all deductions — income tax, NI, student loan, pension — with annual, monthly, weekly & hourly breakdowns.
All deductions · Employed & self-employed
Bonus Tax Calculator
See your net bonus after income tax and National Insurance deductions.
Income Tax · NI · England & Scotland
Redundancy Pay Calculator
Calculate statutory redundancy pay and tax on payments over £30,000. Includes PILON and notice pay.
£30k Exemption · Statutory · PILON
Final Pay Calculator
Estimate your final payslip when leaving: wages, untaken holiday, PILON, bonus, redundancy, PAYE and employee NI.
Leavers · Holiday · PILON · Redundancy
Statutory Sick Pay Calculator
SSP at the new 2026/27 rate with day-one entitlement (no waiting days), no Lower Earnings Limit, and 80% of AWE cap. Includes employer occupational sick pay.
£123.25/wk · Day-one · 28-week max
Holiday Pay Calculator
Statutory holiday entitlement (5.6 weeks, 28-day cap), 12.07% accrual for zero-hours and part-year workers, and legal rolled-up holiday pay under the April 2024 reforms.
5.6 weeks · 12.07% · Rolled-up
Salary Converter
Convert between annual, monthly, weekly, and hourly salary. Gross and take-home.
Annual · Monthly · Weekly · Hourly
Tax Year Comparison
Compare take-home pay across tax years. See how frozen thresholds and rate changes affect your income.
2026-27 · 2025-26 · 2024-25 · Fiscal Drag
Tax Refund Estimator
Compare PAYE withheld against actual tax owed to estimate refunds or balances.
PAYE · Refund · Balance Due
Working From Home Tax Relief Calculator
Claim £6/week (or actual costs) for up to 4 backdated tax years before HMRC abolishes WFH relief on 6 April 2026.
£6/wk · 4-year backdate · Abolished 2026/27
England vs Scotland Tax Comparison
Compare income tax and take-home pay between England/Wales/NI and Scotland.
Side-by-side · All tax bands · Quick reference
Pay Rise Calculator
Compare take-home pay before and after a salary increase — gross % vs net %, and whether it crosses a higher band or the Personal Allowance taper.
Gross vs net % · Band crossing · PA taper
PAYE vs Self Assessment
PAYE auto-deduction against the annual SA return — who uses each, the deadlines, and when you need both.
Deadlines · Who files · Both at once
National Insurance & Contributions
National Insurance Calculator
Class 1 NI for employees, Class 2 & Class 4 for self-employed. Total NI and effective rate.
Class 1, 2 & 4
Student Loan Repayment Calculator
Annual repayments for Plan 1, 2, 4, 5, or Postgraduate Loan. Multiple simultaneous plans.
Plan 1, 2, 4, 5 & Postgraduate
Pension Tax Relief Calculator
Annual Allowance, tapered allowance for high earners, and carry forward from previous years.
Annual Allowance · Taper · Carry Forward
Pension Annual Allowance Calculator
Check your annual allowance (standard, tapered, or MPAA) and calculate carry forward from the previous 3 years.
Annual Allowance · Taper · MPAA · Carry Forward
Pension Drawdown Calculator
Calculate tax on pension withdrawals with flexi-access drawdown or UFPLS. Includes state pension interaction and pot sustainability projection.
Flexi-access · UFPLS · Sustainability
Pension Allowances 2026/27
Every annual and lump sum allowance by tax year — the £60,000 annual allowance, £10,000 MPAA, the taper, carry forward, and what replaced the lifetime allowance.
AA · MPAA · Taper · LSA · LSDBA
Self-Employment Tax Calculator
Income tax plus Class 2 & Class 4 NI for sole traders. Includes payments on account.
Class 2 · Class 4 · Payments on Account
Payment on Account Calculator
Work out your 31 January and 31 July POAs, claim a reduction (SA303), and model late-payment interest plus 5% penalties.
POA trigger · SA303 · Late-payment interest
CIS Tax Calculator
Construction Industry Scheme deductions at 20% (registered) or 30% (unregistered). Materials excluded, with Self Assessment refund reconciliation.
CIS · 20% / 30% · Subbie refund
Employer NI Calculator
Calculate employer National Insurance contributions and total employment cost.
Employment Allowance · Total cost · Year comparison
Employer Cost Calculator
True cost of employing someone — salary plus employer NI, workplace pension, and Apprenticeship Levy.
NI · Pension · Levy · Employment Allowance
Salary Sacrifice Calculator
Calculate tax and NI savings from pension sacrifice, EV salary sacrifice, and cycle-to-work schemes. Before/after comparison.
Pension · EV · Cycle to Work
£100k Tax Trap Calculator
Navigate the £100k–£125,140 personal allowance taper zone. 62% effective rate (E&W) or 69.5% (Scotland), with sal-sac escape amount and tax saved.
PA taper · 60% trap · Sal-sac escape
PAYE Take-Home Optimization Hub
One salary input drives 5 cards: tax code → take-home → sal-sac → savings tax → fiscal drag. End-to-end optimization journey for UK PAYE earners.
Tax code · Take-home · Sal-sac · PSA · Drag
Workplace Pension Calculator
Auto-enrolment employer/employee split on qualifying earnings against total earnings, plus salary sacrifice NI savings.
Auto-enrolment · Qualifying earnings · Sal-sac
Maintenance Loan Calculator
Student Finance England maintenance loan by household income and living situation — home, away, or away in London, plus the income taper.
Home · Away · London · Income taper
Family & Children
Child Benefit Calculator
Calculate your Child Benefit entitlement and High Income Child Benefit Charge.
HICBC · £60k–£80k threshold · Year comparison
Tax-Free Childcare Calculator
Check eligibility and calculate government top-up — up to £2,000 per child per year.
Eligibility · £500/quarter · Disabled enhanced
Child Maintenance Calculator
CMS 2012 scheme rates — nil, flat, reduced, basic and basic plus, with other-children and shared-care adjustments.
CMS · 5 rates · Shared care
Maternity Pay Calculator
Statutory Maternity Pay (SMP), employer enhanced pay, and the unpaid portion of your 52-week leave entitlement.
SMP · Enhanced · 52-week timeline
Paternity Pay Calculator
Statutory Paternity Pay at the new 2026/27 rate (£194.32), Shared Parental Pay, and employer top-ups. Reflects the 6 April 2026 Day-1 leave reform.
2026/27 · SPP + ShPP · Day-1 leave
Neonatal Care Pay Calculator
Check day-one Neonatal Care Leave and estimate up to 12 weeks of statutory pay under the 2026/27 earnings and service tests.
Up to 12 weeks · Day-one leave · £194.32/wk
Universal Credit Calculator
Estimate your monthly UC award with child, LCWRA, carer, childcare and housing elements, 55% taper and benefit cap. Includes the April 2026 reforms.
2026/27 · 55% taper · 2-child limit abolished
Having a Baby — Tax & Benefits Guide
SMP, SPP, Child Benefit and HICBC, free childcare hours, Tax-Free Childcare and Universal Credit — the roadmap for new UK parents.
SMP · HICBC · Childcare · UC
Benefits & Allowances
Pension Credit Calculator
Guarantee Credit and Savings Credit — check eligibility and estimate your weekly top-up.
Guarantee Credit · Savings Credit · DWP
Carer's Allowance Calculator
Weekly rate, the earnings limit, the 35-hour care test, and whether the payment is taxable.
Eligibility · £86.45/wk · DWP
Carer Support Payment (Scotland)
Scotland's replacement for Carer's Allowance, plus Scottish Carer Supplement and Carer Additional Person Payment.
Social Security Scotland · Devolved
Attendance Allowance Rates 2026/27
Lower and higher weekly rates for State Pension age claimants needing personal care, plus Scotland's PADP.
Lower & higher rate · DWP
DLA Rates 2026/27
Care and mobility component rates for Disability Living Allowance, plus all award combinations.
Care & mobility · DWP
PIP Rates 2026/27
Daily living and Mobility component rates for all 8 award combinations — weekly, 4-weekly and annual.
8 combinations · Weekly & 4-weekly · DWP
Child Benefit Rates 2026/27
Weekly, 4-weekly and annual amounts for 1 to 5 children, plus the HICBC thresholds and how the taper works.
1-5 children · HICBC · 16-19 rules
Universal Credit Rates 2026/27
Monthly standard allowances and every element, work allowances, the 55% taper, benefit cap and capital rules.
Split LCWRA · Work allowances · Benefit cap
Savings & ISA
Compound Interest Calculator
Compare growth in ISA, SIPP, and GIA with different tax treatments.
ISA · SIPP · GIA · Tax drag
Savings Goal Calculator
Years or monthly contribution needed to hit your target — after-tax across ISA, SIPP, GIA.
ISA · SIPP · GIA · After-tax
Lifetime ISA Calculator
Project your LISA balance with the 25% government bonus. Compare LISA vs pension, calculate withdrawal penalties.
25% Bonus · First Home · Retirement
Inflation Calculator
Translate purchasing power across years using ONS CPIH, model salary erosion, and quantify the fiscal-drag cost of the frozen £12,570 and £50,270 thresholds to April 2028.
CPIH · Salary erosion · Frozen thresholds
Net Worth Calculator
Track assets, debts and tax-advantaged % with ISA/SIPP/LISA/HICBC optimisation tips.
ISA · SIPP · LISA · HICBC
Property & Assets
Capital Gains Tax Calculator
CGT on property or other assets. BADR and Investors' Relief with residential and non-residential rates.
Residential & other assets · BADR
Private Residence Relief Calculator
Estimate CGT relief when selling a home you lived in, including the final-period exemption, qualifying absences, and shared-occupation Letting Relief.
Main home · Final 9 months · Letting Relief
60-Day CGT Reporting Calculator
Check if you need to file a 60-day return on a UK property disposal, your deadline, the CGT due, and Self Assessment reconciliation.
60-day return · UK & non-residents · PRR
Business Asset Disposal Relief Calculator
CGT on selling your business under BADR (formerly Entrepreneurs' Relief). Lifetime limit tracker and rate phase-in from 10% to 18%.
BADR · £1m lifetime limit · 10% → 18%
Stamp Duty Calculator
SDLT (England & NI), LBTT (Scotland), LTT (Wales). First-time buyer relief and additional property surcharges.
SDLT · LBTT · LTT · First-time Buyer
Moving Calculator
Total cost of moving home in the UK — stamp duty, legal fees, estate agent, surveys, and removal costs.
Stamp Duty · Legal · Agent · Removals
Council Tax Calculator
Estimate your Council Tax band from property value and calculate annual, monthly, and weekly bills. Single-person, student, and disabled discounts plus second-home premiums.
England · Wales · Scotland · Band A–I
Rental Income Tax Calculator
Tax on rental property income with 20% mortgage interest tax credit. After-tax cash flow.
Mortgage Relief · Operating Expenses
Inheritance Tax Calculator
IHT with nil-rate band, residence nil-rate band, spouse exemption, and charity rate reduction.
NRB · RNRB · Spouse · Charity
Inheritance Tax Rates 2026/27
Every band and rate by tax year — the £325,000 nil-rate band, £175,000 residence nil-rate band and its £2m taper, and the full 7-year gift taper table.
NRB · RNRB taper · 7-year gifts · 40% / 36%
Crypto Tax Calculator
Capital Gains Tax on Bitcoin, Ethereum and crypto. Section 104 pooling, same-day and 30-day matching rules.
CGT · Section 104 · Same-day · B&B
Non-Dom FIG Regime Calculator
4-year Foreign Income and Gains claim, Temporary Repatriation Facility (TRF) at 12%/15%, and CGT rebasing to 5 April 2017. The post-non-dom regime from 6 April 2025.
4-yr FIG · TRF 12%/15% · 2017 rebasing
Business & Other
Corporation Tax Calculator
Calculate your company's Corporation Tax with marginal relief, associated companies, and short accounting periods.
19% · 25% · Marginal Relief · CT600
Dividend Tax Calculator
Tax on dividend income at basic, higher, and additional rates after the Dividend Allowance. 2026-27 rates up 2pp from 2025-26.
10.75% · 35.75% · 39.35% (2026-27)
Capital Allowances Rates
Writing down allowance rates, the £1m Annual Investment Allowance, the 40% first-year allowance, and the car CO2 bands by purchase date.
14% main · 6% special · £1m AIA · Cars
Dividend Tax Rates 2026/27
Dividend rates and the £500 allowance across four tax years, which band a dividend lands in, and the tax on £1,000 to £20,000.
4 tax years · £500 allowance · Scotland
VAT Calculator
Add or remove VAT at standard (20%), reduced (5%), or zero rate. VAT registration threshold check.
Standard · Reduced · Zero rate
Company Car, Van & P11D Hub
Choose the right company vehicle or benefits-in-kind calculator.
7 linked tools · Employee & employer
Company Car Tax Calculator
Calculate Benefit in Kind tax on your company car based on CO2 emissions and list price.
BIK · CO2 bands · Electric & hybrid
EV Salary Sacrifice Calculator
Calculate an EV scheme's real cost after PAYE, NI, student loan and BIK, then compare a personal lease.
Net cost · £100k · Student loan
Company Car vs Cash Allowance
Compare a company car with taking its cash alternative after PAYE, NI, BIK tax and private-car ownership costs.
Car vs Cash · OpRA · Ownership Cost
Car Fuel Benefit Calculator
Calculate company-car private fuel tax and the fuel value needed to break even.
£29,200 multiplier · Break-even
Company Van Tax Calculator
Van and private-fuel BIK with electric, restricted-use and shared-van rules.
£4,170 van · £798 fuel · Exemptions
P11D Calculator
Tax on all P11D benefits-in-kind — cars, fuel, vans, medical, loans — plus employer Class 1A NIC for 2026/27.
BIK · Class 1A NIC · Multi-benefit
P11D(b) Class 1A NI Calculator
Calculate employer Class 1A NI on benefits and termination awards with filing deadlines.
15% · P11D(b) · July deadlines
IR35 Calculator
Compare take-home pay inside vs outside IR35. See the tax impact of employment status.
Inside vs Outside · Dividends · Corporation Tax
Marriage Allowance Calculator
Transfer 10% of your Personal Allowance to your spouse and see the tax saving.
£1,260 transfer · Eligibility check
Rent a Room Calculator
Compare the £7,500 Rent a Room allowance against deducting actual expenses for lodger income.
£7,500 allowance · Scheme vs standard
Tax Code Checker
Decode your HMRC tax code and understand what it means for your tax.
Code explanation · Personal allowance · Tax estimate
Making Tax Digital Checker
Check if you need MTD for Income Tax from April 2026 based on your self-employment and property income.
Eligibility · Deadlines · Preparation
Contractor Comparison Calculator
Compare take-home pay as PAYE permanent, umbrella company, or limited company. Side-by-side with income tax, NI, corporation tax, and dividend tax.
PAYE · Umbrella · Ltd Company
R&D Tax Relief Calculator
Calculate R&D tax relief under the merged RDEC scheme (20%), legacy SME scheme, or ERIS for R&D-intensive loss-making SMEs.
Merged · RDEC · SME · ERIS
Director's Loan Account (S455) Calculator
S455 tax on an overdrawn director's loan at the dividend upper rate, plus beneficial-loan BIK and employer Class 1A NIC.
S455 · Beneficial loan · Class 1A
Car Tax Rates (VED)
First-year CO2-band rates, the standard rate, the expensive car supplement, and how EVs have been taxed since April 2025.
VED · CO2 bands · EV · Expensive car supplement
UK vs US Tax
HMRC against IRS side by side: bands, NI against FICA, auto-enrolment against 401(k), VAT against sales tax.
Migration · Both directions
UK vs Australia Tax
HMRC against ATO side by side: bands, NI against Medicare, auto-enrolment against Super, VAT against GST.
Migration · Both directions
Tax Years & Regions
Core tax calculators support 2026/27 and 2025/26, including Scottish income tax rates. Based on latest HMRC rates and thresholds.