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, on-device 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, with Class 2 shown as zero under the current app assumptions.
• 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 AND ANNUAL PACK Two optional in-app purchases, both one-time (no auto-renewal):

• Premium (Lifetime): a one-off unlock that adds side-by-side scenario comparison for salary and property, removes ads, includes future tax-year table updates, and keeps unlimited saved scenarios — forever.
• Annual Update Pack (Tax Year Pack): a one-time purchase for the current 2026/27 tax-year tables plus unlimited saved scenarios for that year. It expires after one year and does NOT auto-renew. The free version keeps the core calculators and up to three saved scenarios, supported by Google banner ads.

PRIVACY Calculations run on your device. Nothing you enter is used to 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.