Tax Calculators
Free UK tax calculators — income tax, VAT, capital gains, dividends and more, updated for 2026/27.
- 60% Tax Trap CalculatorIf you earn between £100,000 and £125,140 you lose your Personal Allowance, creating a 60% effective tax rate. See your real marginal rate and how a pension contribution claws the allowance back.
- Business & Agricultural Property Relief CalculatorFrom April 2026 , Business Property Relief and Agricultural Property Relief are capped: 100% relief on a combined £1 million of qualifying assets, then only 50% relief above - an effective 20% Inheritance Tax rate. Estimate the new bill.
- CGT Share Matching CalculatorWork out the Capital Gains Tax on shares or crypto with HMRC's matching rules applied automatically, the same-day rule, the 30-day "bed and breakfast" rule and the Section 104 pool.
- Capital Gains Tax CalculatorThis capital gains tax calculator works out what you owe HMRC when you sell or give away an asset that has risen in value during the 2026/27 tax year. Enter your gain, your other income and any costs, and it applies the £3,000 annual exempt amount and the 18% and 24% rates to estimate your bill in seconds. It is built for anyone selling shares, a second property, a buy-to-let, units in a fund, crypto or other chargeable assets, and it shows you the maths so you can see exactly how the figure is reached.
- Capital Gains Tax on Property CalculatorThis capital gains tax on property calculator estimates what you'll owe HMRC when you sell a second home, a buy-to-let or any residential property that isn't your main home, for the 2026/27 tax year. Selling property you've held for years can mean a large gain on paper and a tax bill that catches people off guard, so it pays to see the figure before you complete. Enter your purchase price, sale price, costs and income, and you'll get an estimate of the CGT due at the 18% and 24% residential rates. It's built for landlords, second-home owners and anyone disposing of a property that doesn't qualify for full Private Residence Relief.
- Car Tax CalculatorUse our free Car Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Check If HMRC Owes You MoneyIf you want to check if HMRC owes you money, this free tool gives you a quick, plain-English estimate of whether you have overpaid tax and could be due a refund for the 2026/27 tax year. Millions of people in the UK quietly overpay every year through emergency tax codes, mid-year job changes, unclaimed work expenses and unused allowances, and never claim it back. Enter a few figures above and you will see roughly how much you might be owed and where to look next. It is built for employees, pensioners, students and anyone who has changed jobs or stopped working part-way through the year.
- Child Benefit Tax CalculatorUse our free Child Benefit Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Company Car Tax CalculatorThis company car tax calculator works out the Benefit-in-Kind (BIK) you pay on a car your employer provides, for the 2026/27 tax year. Tell it the car's P11D value and its appropriate percentage and you'll see the taxable benefit, the income tax due, and roughly what it costs you each month. It's built for employees offered a company car or weighing one up against a cash allowance, and for company directors deciding what to put through the business. The numbers below explain exactly how the figure is reached, so you're not taking the result on trust.
- Council Tax CalculatorUse our free Council Tax Calculator to get an instant estimate.
- Crypto Tax CalculatorUse our free Crypto Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Dividend Tax CalculatorThis dividend tax calculator works out the tax due on your dividend income for the 2026/27 tax year, after the £500 dividend allowance and at the rates that apply to your income band. It is built for limited company directors, shareholders and anyone holding shares outside an ISA who needs a clear figure rather than a guess. Dividends sit on top of your other income, so the rate you pay depends on what you earn elsewhere. Enter your salary and dividends above and the tool stacks them correctly, then shows the tax band by band.
- Do I Need to File a Self Assessment?Answer a few quick questions to find out whether HMRC expects a Self Assessment tax return from you this year, and exactly what to do if it does.
- Emergency Tax CalculatorUse our free Emergency Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Fiscal Drag Calculator (Threshold Freeze)Income Tax thresholds are frozen until April 2031 . As your pay rises with inflation, more of it is dragged into tax - and into higher bands. See how much the freeze quietly costs you over the period.
- HMRC Complaint & Refund Letter GeneratorUse the generator above to build a formal letter to HMRC in seconds - to complain, request a refund, query a tax code or challenge a Council Tax band. This guide explains how the HMRC complaints process works.
- HMRC Letter DecoderGot a confusing letter from HMRC? Upload a photo or PDF and we'll explain in plain English what it means, a refund, a bill, or just information, and exactly what to do next.
- How Much Tax Am I Overpaying?If you have ever wondered "am I paying too much tax?", this checker gives you a quick, honest answer. It compares the tax you have actually paid against what HMRC's rules say you should owe for the 2026/27 tax year, then flags the gap and the likely reason for it — a wrong tax code, emergency tax, unclaimed relief or a refund still sitting with HMRC. It is built for UK employees, pensioners and the recently self-employed who suspect a chunk of their pay has quietly disappeared and want to know whether any of it is reclaimable.
- Import Duty CalculatorUse our free Import Duty Calculator to get an instant estimate.
- Income Tax CalculatorThis income tax calculator shows exactly how much Income Tax you pay on your salary in the 2026/27 tax year, and what is left as take-home pay once National Insurance is taken into account. Enter your gross salary above and you get the tax due, the effective rate as a percentage of your wages, and your net pay broken down by month and by year. It is a full UK tax calculator for employees on PAYE across England, Wales and Northern Ireland, with a note on where Scotland differs. You will see how the £12,570 personal allowance and the 20%, 40% and 45% bands apply to your income, plus how a pension or student loan changes the result.
- Inheritance Tax CalculatorUse our free Inheritance Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Marriage Allowance CalculatorThis marriage allowance calculator checks whether you and your husband, wife or civil partner can transfer part of one person's tax-free allowance to the other in the 2026/27 tax year, and shows the cash saving. It's built for couples where one of you earns under the Personal Allowance and the other is a basic-rate taxpayer. Marriage Allowance is one of the most overlooked tax breaks in the UK. If you qualify, the maths is simple and the claim is free - yet hundreds of thousands of eligible couples never make it.
- Mileage Allowance CalculatorThis mileage calculator works out your tax-free mileage allowance using HMRC's Approved Mileage Allowance Payments (AMAP) rates for the 2026/27 tax year. Enter your business miles and the vehicle you use, and it shows what you can be paid tax-free, and how much relief you can claim if your employer pays you less than the approved rate. It's built for employees who use their own car, van, motorbike or bike for work, and for sole traders using simplified mileage. It does not cover your ordinary commute, which never qualifies.
- National Insurance CalculatorThis national insurance calculator shows how much Class 1 National Insurance you pay as an employee in the 2026/27 tax year, broken down by year, month or week. Enter your salary and you'll see the slice that goes to NI before your pay lands in your account. It's built for employees on PAYE who want a quick, honest figure rather than a vague estimate. NI is charged UK-wide at the same rates, so whether you're in Cardiff, Belfast, Glasgow or Manchester, the numbers here apply to you.
- P60 / End of Year Tax CalculatorUse our free P60 / End of Year Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Scotland Tax CalculatorThis Scotland tax calculator works out your 2026/27 Scottish income tax, National Insurance and take-home pay using the Scottish bands set by the Scottish Government. If you live in Scotland, you pay income tax on your salary, pension or self-employment profits at different rates from the rest of the UK, and the result can be hundreds of pounds either side of an English payslip. Enter your annual salary above to see exactly where each pound goes - and how Scotland compares with England, Wales and Northern Ireland.
- Second Job Tax CalculatorThis second job tax calculator shows what a second income actually costs you in tax and National Insurance for the 2026/27 tax year, once both jobs are added together. Taking on extra work is a sensible move, but the wage slip from job two often looks smaller than you expected, and the reason is rarely the second job being "taxed more". It is about which job holds your tax-free allowance and how HMRC stacks your income. This page explains the maths, walks through real numbers, and flags the tax-code traps to watch.
- Self Assessment Penalty CalculatorThis self assessment penalty calculator helps you estimate the HMRC charges that build up when a tax return or payment is late, so you can see roughly what you owe before the figure grows any larger. It works through the late filing penalties, the separate late payment penalties and the interest that runs alongside them. It is built for anyone in the Self Assessment system for the 2026/27 tax year and earlier years: sole traders, landlords, company directors, high earners and people with side income. Enter your tax owed and how late you are to get a guide figure in seconds.
- Self Assessment Tax CalculatorUse our free Self Assessment Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Self-Employed Tax CalculatorThis self employed tax calculator estimates the Income Tax and Class 4 National Insurance you owe on your profits for the 2026/27 tax year (6 April 2026 to 5 April 2027). Enter your profit (turnover minus allowable expenses) and it shows your tax bill, your NI, and what you actually keep. It is built for sole traders, freelancers and side-hustlers who file a Self Assessment return and want a quick, honest figure before the 31 January deadline lands. The maths below is laid out in full so you can see exactly how the result is reached.
- Tax CalculatorThis UK tax calculator shows exactly how much Income Tax and National Insurance you pay on any salary in the 2026/27 tax year, and what is left as take-home pay. Enter a figure above and you get the tax, the NI, the effective rate as a percentage of your wages, and your net pay broken down by year and by month. It works for employees on PAYE and gives a clear estimate for the self-employed, covering England, Wales and Northern Ireland, with a note on where Scotland differs. Below the result you will find the tax bands, the maths behind each deduction, and worked examples so you can check the numbers yourself.
- Tax Code CalculatorUse our free Tax Code Calculator to get an instant estimate for the 2026/27 tax year.
- Tax Code CheckerAround 1 in 3 UK tax codes are wrong - and a wrong code means you're quietly overpaying (or building up a bill). Enter your tax code and find out in seconds whether it looks right, what it means, and what to do.
- Tax Deadline TrackerThis tax deadline tracker shows every UK tax date you actually need to worry about in 2026/27, with a live countdown so nothing creeps up on you. Pick the deadlines that apply to you - Self Assessment, payments on account, VAT, PAYE or capital gains reporting - and see how many days you have left, then add them straight to your calendar. It is built for sole traders, landlords, company directors and anyone who files a tax return and would rather not pay a penalty for forgetting a date. All figures are checked for the 2026/27 tax year (6 April 2026 to 5 April 2027).
- Tax Rebate CheckerMost UK taxpayers overpay. Answer a few quick questions and check what tax you could be owed - the rebates, reliefs and allowances you're missing, how much each is worth to you, and exactly how to claim it back.
- Tax Refund CalculatorUse our free Tax Refund Calculator to get an instant estimate for the 2026/27 tax year.
- Tax Refund EstimatorThis tax refund estimator helps you work out whether you have overpaid tax and roughly how much HMRC might owe you back for the 2026/27 tax year, plus the four years before it. It is built for employees on PAYE, people who changed jobs, anyone put on emergency tax, and those with job expenses they never claimed. Enter your income and the tax already deducted, and the tool compares it against the correct figure using current rates. You get a guide figure in seconds, so you know whether a claim is worth your time.
- VAT CalculatorThis VAT calculator adds or removes UK VAT from any price in seconds, at the standard 20% rate or the reduced 5% rate. Type in a figure, choose whether it already includes VAT, and you get the net price, the VAT amount and the gross price side by side. It is built for sole traders, freelancers, small business owners and anyone checking a quote, an invoice or a receipt. No sign-up, no spreadsheet, and the same maths HMRC expects you to use. Below the tool you will find the formulas spelled out, worked examples with real numbers, and the mistakes that catch people out most often.
- VAT Invoice CheckerThis VAT invoice checker tells you whether the document in front of you is a valid full VAT invoice you can actually reclaim VAT on. If a single required detail is missing, HMRC can refuse your input tax claim and you will have paid the VAT without getting it back. The tool runs through HMRC's checklist for you so you do not have to memorise it. It is for VAT-registered sole traders, limited companies and bookkeepers in the UK who want to clear the doubt before adding an invoice to a VAT return. Paste or enter the invoice details, and it flags what is present, what is missing and whether the document counts as full, simplified or neither.
- VAT Number ValidatorOur UK VAT number checker lets you confirm whether a VAT number is correctly formatted and passes the HMRC checksum before you trust it on an invoice. Enter a GB number and we instantly validate its length and run the official mod-97 calculation, so you can catch typos and obvious mistakes in seconds. This is a format and checksum test, not a live registration lookup, so it helps you spot numbers that cannot be genuine before you reclaim input VAT or raise paperwork. Use it as a quick first line of defence whenever you receive a supplier invoice.
- VAT Return CalculatorUse our free VAT Return Calculator to get an instant estimate.
- Couples Tax OptimiserThe UK taxes individuals, not households. The same savings account can be tax-free in one partner's name and taxed at 40% in the other's. Enter your figures above and see what holding the money in the right name would save, every year.
Work out exactly what you owe HMRC
Tax in the UK comes from many directions — the money you earn, the things you buy, the assets you sell and the property you live in. Our tax calculators break each one down in plain English so you can see how a bill is built up, not just the final figure. Every tool is updated for the current UK tax year and uses the latest HMRC thresholds, rates and allowances.
Start with the Income Tax Calculator to see how your personal allowance, basic, higher and additional rate bands apply to your earnings, then add National Insurance to get your true deductions. If you run a business or sell goods, the VAT Calculator adds or removes VAT at the standard or reduced rate in a click.
Plan ahead, not just at year end
Selling shares, a second property or a business? The Capital Gains Tax Calculator estimates the tax after your annual exempt amount. Company directors and investors can model payouts with the Dividend Tax Calculator, while drivers can check the cost of a company vehicle with the Company Car Tax Calculator and Car Tax (VED) Calculator.
Households can budget for the year ahead with the Council Tax Calculator, and families planning their estate can use the Inheritance Tax Calculator. Each calculator shows a clear breakdown you can trust, with no sign-up and no stored data.
Other calculator categories
All calculators →Software that files it for you
Partner linksIf you keep your own books, these are the packages that handle Self Assessment and Making Tax Digital.
FreeAgent
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See FreeAgentQuickBooks
MTD ready
The big all-rounder with the deepest MTD track record.
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The scale-up choice once you have staff, stock or VAT.
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From about £15/mo
See XeroWe may earn a commission if you sign up through one of these links. It never changes what we calculate, what we recommend, or the order they appear in.
Deadlines, rate changes and what to claim
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