UK tax calculators that show their working
Free calculators for the 2026/27 tax year. Every figure is sourced from HMRC, Revenue Scotland or the Welsh Revenue Authority, dated, and shown with the bands it came from — so you can check it rather than trust it.
No sign-up · nothing leaves your browser · rates verified 7 August 2026
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 calculator Enter your salary to see exactly what reaches your bank account, and how each deduction was worked out.
- Scottish take-home pay calculator 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 calculator Your statutory entitlement, and then the part gov.uk's own calculator leaves out: how much tax comes off the package.
- Company car tax calculator 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 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.
- LBTT calculator for 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 calculator for 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.
- Capital Gains Tax on property calculator 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.
- 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.
- VAT Flat Rate Scheme calculator Work out whether the Flat Rate Scheme actually saves you money, and whether the limited cost trader rule catches you.
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 percentage points to 10.75% and 35.75%. Combined with 15% employer National Insurance, this has changed the answer to "should I go limited?"
- Income tax and National Insurance thresholds are frozen for a further three years, to 2030/31. Pay rises pull more people into higher bands each year.
- Scottish starter and basic bands rose 7.4%, while the higher, advanced and top thresholds were frozen.
- The approved mileage rate rose to 55p, its first change since 2011.
- Electric company car tax rose to 4%, and the redundancy weekly pay cap rose to £751.
- Announced for later: salary sacrifice National Insurance relief capped at £2,000 from April 2029, and property and savings income rates up 2 points from April 2027.
See every rate change with its source, or browse all 2026/27 rates.
Guides
- UK income tax rates and thresholds for 2026/27 Every income tax rate, band and allowance for the 2026/27 tax year, for England, Wales, Northern Ireland and Scotland, with National Insurance and dividend rates.
- Scottish income tax compared with the rest of the UK How Scotland’s six income tax bands compare with the three used elsewhere in the UK in 2026/27, and at what salary a Scottish taxpayer starts paying more.
- Student loan repayment thresholds for 2026/27 The 2026/27 repayment threshold and rate for every UK student loan plan, which plan you are on, and how a postgraduate loan stacks on top of an undergraduate one.
- Salary sacrifice, and what changes in 2029 How pension salary sacrifice saves National Insurance as well as income tax, how it differs from net pay and relief at source, and the £2,000 cap announced for April 2029.
- The £100,000 tax trap Why earnings between £100,000 and £125,140 are effectively taxed at 60%, how the personal allowance taper causes it, and how a pension contribution escapes it.
- The first-time buyer stamp duty cliff edge First-time buyer stamp duty relief disappears completely above £500,000 rather than tapering, so one extra pound on the price can cost £5,000 in tax.
Why trust these numbers?
Tax calculators are easy to build and easy to get subtly wrong. A great many UK calculators conflate the three pension arrangements, apply a single Capital Gains Tax rate to a gain that straddles two, or quietly claim the Employment Allowance for a company that cannot have it. Those errors are invisible unless you already know the answer.
Three things we do differently:
- Every rate is dated and sourced. Each page links the HMRC or devolved authority page the figures came from and shows when they were last checked.
- Every calculation shows its working. You get the band table, not just the answer, so you can verify it against your payslip or your accountant.
- Every tool states its limits. Where a calculation cannot capture your situation, the page says so rather than pretending otherwise.
How we calculate · About this site
TaxSums provides information, not financial or tax advice. Check anything important with an accountant or with HMRC before acting on it.
All 12 calculators
- 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.
- 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.
- Mortgage overpayment Put in what you can afford each month and see the interest saved and the years knocked off the term.
- Mortgage affordability There is no single correct answer to how much you can borrow. Here is the realistic range, and what each level costs per month.
- Sole trader vs limited Compare both routes on the same profit, with the 2026/27 dividend rates and the traps that most comparisons leave out.
- VAT flat rate Work out whether the Flat Rate Scheme actually saves you money, and whether the limited cost trader rule catches you.
- 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.
- 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%.