UK Tax Calculators
95 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
HMRC Time to Pay Calculator
Estimate monthly Self Assessment instalments and late-payment interest before asking HMRC for a plan.
Monthly plan · Interest · £30k online threshold
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 Tax Calculator
Income Tax on State Pension, private pension and other annual retirement income, with Scottish rates.
State · Private · Scotland · Monthly net
Pension Lump Sum Tax Calculator
Calculate tax on UFPLS or tax-free cash after the Lump Sum Allowance and other income.
UFPLS · 25% tax-free · LSA
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
Trading Allowance Calculator
Compare the £1,000 trading allowance with actual allowable expenses and choose the lower taxable profit.
£1,000 · Expenses · Self Assessment
HMRC Mileage Allowance Rates 2026/27
55p/25p AMAP car rate, 24p motorcycle, 20p bicycle, 5p passenger — plus the NIC flat-rate quirk and prior-year rates.
55p / 25p · NIC flat rate · By tax year
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 5 April 2031.
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
Capital Gains Tax Rates 2026/27
18%/24% CGT bands on shares and property, the £3,000 exempt amount, and BADR at 18%, across three tax years.
18% / 24% · £3,000 AEA · BADR 18%
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
Council Tax Single Person Discount Calculator
Calculate the 25% single-adult discount from your council's Band D charge and property band.
25% discount · 10 or 12 months
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 Calculator
Calculate annual VED by CO2, fuel, vehicle age and list price, including the expensive car supplement.
VED · CO2 · EV · List price
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.
Frequently asked questions
How many free UK tax calculators are there?
There are 95 free calculators covering income tax, take-home pay, National Insurance, student loans, pensions, dividends, capital gains, stamp duty, VAT, and more — all using current HMRC rates and thresholds.
Which tax year do these calculators use?
Every calculator supports the 2026/27 and 2025/26 tax years, with several also covering 2024/25 for filing and comparison purposes. Pick the year in the calculator to switch — nothing is hardcoded to a single year.
Do the calculators cover Scotland's different tax rates?
Yes. Income tax and take-home pay calculators support both England/Wales/Northern Ireland's three-band system and Scotland's six-band system. National Insurance, dividend tax, and capital gains tax are UK-wide and apply the same everywhere.
Are these calculators really free to use?
Yes, every calculator on this site is free with no sign-up required. They run entirely in your browser and no financial information you enter is sent to or stored on our servers.