Free UK tax calculators for the 2026/27 tax year
12 calculators covering income tax, National Insurance, stamp duty, mortgages and small-company tax. Every figure is taken from HMRC, Revenue Scotland or the Welsh Revenue Authority, dated, and shown with the bands it came from.
- No sign-up
- Nothing leaves your browser
- Every rate dated and sourced
The three people ask for most
All 12 calculators- Salary & tax Take-home pay calculator Enter your salary to see exactly what reaches your bank account, and how each deduction was worked out. On £45,000 you keep £2,993 a month
- Property Stamp duty calculator Stamp Duty Land Tax for England and Northern Ireland, with every band shown and the first-time buyer cliff edge flagged before it catches you. Nil-rate band £125,000
- Business Sole trader vs limited company calculator Compare both routes on the same profit, with the 2026/27 dividend rates and the traps that most comparisons leave out. Dividend rate now 10.75%
Salary and tax calculators
Work out take-home pay, the tax on a company car and what a redundancy package is worth after tax, for the 2026/27 tax year.
- Take-home pay Enter your salary to see exactly what reaches your bank account, and how each deduction was worked out.
- Scottish take-home pay Scotland sets its own income tax rates. See what you keep, and exactly how much more or less that is than the rest of the UK.
- Redundancy pay Your statutory entitlement, and then the part gov.uk's own calculator leaves out: how much tax comes off the package.
- Company car tax Work out the benefit in kind on a company car, what it costs you each month, and what it costs your employer.
Property tax calculators
Stamp duty across England, Scotland and Wales, plus Capital Gains Tax when you sell a property that is not your main home.
- Stamp duty (England & NI) Stamp Duty Land Tax for England and Northern Ireland, with every band shown and the first-time buyer cliff edge flagged before it catches you.
- LBTT (Scotland) Scotland charges LBTT, not stamp duty. The bands are different, the second-home supplement is 8% of the whole price, and first-time buyer relief has no price cap.
- LTT (Wales) Wales charges LTT. It has the highest nil-rate band in the UK at £225,000, no first-time buyer relief, and a completely separate band table for additional properties.
- CGT on property Selling a property that is not your main home? Work out the gain, the reliefs and the tax at the right split of 18% and 24%.
Mortgage calculators
See what overpaying saves you and how much you could realistically borrow, with the assumptions shown rather than hidden.
Business tax calculators
Compare trading as a sole trader with running a limited company, and check whether the VAT Flat Rate Scheme is worth joining.
What changed for 2026/27
The Autumn Budget of 26 November 2025 made several changes that take effect this tax year. The ones most likely to affect you:
- Dividend tax rose 2 points to 10.75% and 35.75%. With 15% employer National Insurance, this changed the answer to “should I go limited?”
- Thresholds frozen to 2030/31. Income tax and NI bands stay put for three more years, so pay rises pull more people into higher bands.
- Scottish starter and basic bands rose 7.4%, while the higher, advanced and top thresholds were frozen.
- Mileage rose to 55p — its first change since 2011 — and electric company car tax rose to 4%.
- Announced for later: salary sacrifice National Insurance relief capped at £2,000 from April 2029, and property and savings rates up 2 points from April 2027.
See every rate change with its source, or browse all 2026/27 rates.
Guides
All 8 guides- UK income tax rates and thresholds for 2026/27 Every rate, band and allowance for all four nations, in one place and dated to the day it was checked.
- Scottish income tax compared with the rest of the UK Six bands instead of three, and a crossover point most Scottish taxpayers have never been shown.
- Student loan repayment thresholds for 2026/27 Which plan you are on, what you actually repay, and why a postgraduate loan is added to an undergraduate one rather than replacing it.
- Salary sacrifice, and what changes in 2029 The only pension arrangement that saves National Insurance as well as income tax — and the £2,000 cap arriving in April 2029.
- The £100,000 tax trap Between £100,000 and £125,140 you pay an effective 60% on every extra pound — and almost nobody is told.
- The first-time buyer stamp duty cliff edge The relief does not taper — it vanishes. At £500,000 you pay £10,000; at £500,001 you pay £15,000.
All 12 calculators
- Take-home pay
- Scottish take-home pay
- Stamp duty (England & NI)
- LBTT (Scotland)
- LTT (Wales)
- Mortgage overpayment
- Mortgage affordability
- Sole trader vs limited
- VAT flat rate
- Redundancy pay
- Company car tax
- CGT on property
TaxSums provides information, not financial or tax advice. Check anything important with an accountant or with HMRC before acting on it.