Tax Calculator UK 2026

Estimate UK Income Tax, National Insurance, Stamp Duty, dividend tax, self-employed NI, student loan repayments, and Marriage Allowance for the 2026/27 tax year — all in one fast, offline calculator. Built for PAYE employees, contractors, landlords, and anyone planning a salary change, a property purchase, or a side hustle.

SIX CALCULATORS, ONE APP
- Income Tax and take-home pay: gross-to-net for England, Scotland and Wales, with Scottish PAYE bands handled separately.
- Stamp Duty: SDLT for England and Northern Ireland, LBTT for Scotland, LTT for Wales — including first-time buyer relief and the additional-property surcharge.
- Dividend Tax: combine salary and dividends to see your true marginal rate after the dividend allowance.
- Self-Employed National Insurance: Class 4 estimates for sole traders and side-hustle income.
- Student Loan Repayments: Plan 1, Plan 2, Plan 4 (Scotland), Plan 5, and Postgraduate loans — modelled against your projected salary.
- Marriage Allowance: check eligibility and the annual transfer benefit for couples where one partner earns under the personal allowance.

WHEN TO USE IT
- Negotiating a pay rise: see exactly what an extra £5k means after tax, NI and student loan.
- Comparing two job offers: side-by-side scenarios show take-home, pension impact, and student-loan drag.
- Buying a home: model SDLT/LBTT/LTT for first homes, second properties and buy-to-let in seconds.
- Going self-employed: estimate self-employed NI on top of Income Tax before you set your day rate.
- Filing planning: sanity-check your numbers before Self Assessment in January.

PREMIUM
A one-off Premium unlock adds side-by-side scenario comparison for salary and property, removes ads, and includes future tax-year table updates. The free version is supported by Google banner ads.

PRIVACY
All calculations run on your device. Nothing you enter is sent to a server, and the app does not file anything with HMRC. Tax Calculator UK is a planning aid for estimates only and is not affiliated with HMRC, GOV.UK, or any government body. It does not replace professional tax advice — speak to an accountant or HMRC for binding decisions.

Built and maintained for the 2026/27 tax year. Tables are updated each Budget cycle.