UK pay, pension & family-finance calculators.
Your numbers, with HMRC's rules, in plain English. Free and ad-light.
Pick what you're working out
Every calculator runs your numbers against the live 2026/27 HMRC rates and shows the working, not just the answer.
Tax-Free Childcare calculator
See the government top-up on your childcare, up to £2,000 per child.
Take-home pay calculator
PAYE income tax, National Insurance and take-home pay for 2026/27.
Marginal tax rate calculator
The effective rate on your next pound, with the 60% Personal Allowance taper and student-loan stacking shown row by row.
Salary sacrifice calculator
How much salary-sacrifice pension saves you in tax and NI.
Pension tax calculator
Income Tax on a pension withdrawal, including the 25% tax-free split and the month one emergency deduction.
Pro rata salary calculator
Part-time take-home on any full-time salary, with the days a week below which you pay no income tax or National Insurance.
Student loan Plan 2 calculator
Your Plan 2 repayment for 2026/27, with tax and NI stacked on the next pound.
Bonus tax calculator
How much of a cash bonus you keep after final Income Tax and bonus-month payroll deductions.
Dividend tax calculator
Dividend tax for 2026/27, including savings, band stacking and the Personal Allowance taper.
Mortgage overpayment calculator
See the interest and years a monthly or lump-sum overpayment saves, with the penny-reconciled schedule shown.
£100k tax trap calculator
See the Personal Allowance you lose above £100,000 and what salary sacrifice could recover.
Personal Savings Allowance calculator
Stack interest against the £5,000 starting rate and your £1,000, £500 or £0 savings allowance.
Capital Gains Tax calculator for shares
Apply losses and the £3,000 exemption, then split an ordinary share gain across the 18% and 24% rates.
Land Transaction Tax calculator Wales
Welsh residential LTT by band, including the current higher residential rates.
LBTT calculator Scotland
Scottish residential LBTT with first-time buyer relief and the 8% Additional Dwelling Supplement.
Income Tax calculator
Total Income Tax on salary, savings interest and dividends for 2026/27, with the PA taper and every band shown.
ISA allowance calculator
Split the £20,000 ISA allowance across Cash, Stocks & Shares and Lifetime ISA, with the 25% LISA bonus and withdrawal charge worked out for you.
VAT calculator
Add or remove VAT at 20%, 5% or 0%, then compare the Flat Rate Scheme by trade sector, including the 16.5% limited-cost trader test.
Sole trader take-home pay calculator
Profit after Income Tax and Class 4 NIC for 2026/27, with the £1,000 trading allowance and payments on account shown.
All calculators →The rules · 2026/27
UK income tax & NI at a glance
UK income tax for 2026/27 is 20% to £37,700, 40% to £125,140 and 45% above, after the £12,570 Personal Allowance, per gov.uk.
England, Wales & Northern Ireland bands. Scotland uses six bands, shown in the take-home calculator.