Updated for tax year 2026/27

UK money calculators

19 calculators, all running the same verified 2026/27 HMRC bands, and all showing the band by band working rather than just an answer.

Free UK calculators for take-home pay, Tax-Free Childcare, salary sacrifice and more. Your numbers, with HMRC rules, explained for the 2026/27 tax year.

Pay

Take-home pay calculator

PAYE income tax, National Insurance and take-home pay for 2026/27.

Pay

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.

Pay

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.

Pay

Student loan Plan 2 calculator

Your Plan 2 repayment for 2026/27, with tax and NI stacked on the next pound.

Pay

Bonus tax calculator

How much of a cash bonus you keep after final Income Tax and bonus-month payroll deductions.

Tax

Dividend tax calculator

Dividend tax for 2026/27, including savings, band stacking and the Personal Allowance taper.

Tax

£100k tax trap calculator

See the Personal Allowance you lose above £100,000 and what salary sacrifice could recover.

Tax

Personal Savings Allowance calculator

Stack interest against the £5,000 starting rate and your £1,000, £500 or £0 savings allowance.

Tax

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.

Tax

Income Tax calculator

Total Income Tax on salary, savings interest and dividends for 2026/27, with the PA taper and every band shown.

Property

Land Transaction Tax calculator Wales

Welsh residential LTT by band, including the current higher residential rates.

Property

LBTT calculator Scotland

Scottish residential LBTT with first-time buyer relief and the 8% Additional Dwelling Supplement.

Pension

Salary sacrifice calculator

How much salary-sacrifice pension saves you in tax and NI.

Pension

Pension tax calculator

Income Tax on a pension withdrawal, including the 25% tax-free split and the month one emergency deduction.

Family

Tax-Free Childcare calculator

See the government top-up on your childcare, up to £2,000 per child.

Mortgages

Mortgage overpayment calculator

See the interest and years a monthly or lump-sum overpayment saves, with the penny-reconciled schedule shown.

Savings

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.

Business

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.

Business

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.

How the numbers are worked out

Every calculator here runs the same pure TypeScript engine over one vetted set of 2026/27 constants, and every constant carries a gov.uk or HMRC citation. The full method, the assumptions and the things deliberately not modelled are written up on the methodology page.